[Hiring] U.S. Banking Regulatory Compliance Lead @Stripe

Role Description

Stripe’s Financial Crimes Compliance Risk Oversight (FinCRO) team is looking for a U.S. Regulatory Compliance Lead for our Banking-as-a-Service (BaaS) business. You’ll own second-line oversight of Stripe’s U.S. BaaS products and bank-fintech partnerships. The work is practical and cross-functional: turn federal and state requirements and supervisory expectations into clear policies, controls, monitoring, evidence, and ownership.

This role is focused on U.S. BaaS regulation. You’ll work across:

• Sponsor-bank and fintech responsibility mapping
• BSA/AML and sanctions
• Consumer protection and fair lending
• Deposits and FDIC insurance representations
• Privacy, cybersecurity, incident response, and third-party risk
• Complaints and disputes
• Payment network and ACH rules
• State money transmission and lending requirements
• Regulatory exams, remediation, and change management

Responsibilities include:

• Own the second-line compliance framework for Stripe’s U.S. BaaS products and bank-fintech partnerships.
• Turn U.S. federal and state laws, guidance, enforcement actions, and supervisory expectations into practical policies, product requirements, controls, procedures, evidence standards, and monitoring.
• Set and oversee controls for BSA/AML, customer identification and verification, customer due diligence and beneficial ownership, transaction monitoring, suspicious activity escalation, sanctions screening, and recordkeeping.
• Oversee consumer and lending compliance for BaaS products, including UDAAP; Regulations E, Z, B, and DD; fair lending; FCRA; SCRA; FDCPA; complaints and disputes; adverse action; collections; marketing and disclosures; fees; account restrictions; and account closures.
• Oversee deposit-product compliance, including FDIC insurance representations, Reg CC, pass-through insurance requirements, pooled or custodial structures, customer-level records, ledger integrity, reconciliation, and access to funds.
• Define compliance expectations for privacy, cybersecurity, incident escalation, operational resilience, business continuity, data access, record retention, and an orderly wind-down of BaaS programs.
• Provide second-line oversight on behalf of sponsor banks and other BaaS partners through risk assessments, due diligence, contract requirements, control testing, performance and complaint monitoring, issue management, and exit planning.
• Review new U.S. BaaS products and material changes. Identify applicable obligations, control gaps, licensing implications, and launch conditions, then drive remediation to closure with clear owners.
• Keep pace with U.S. BaaS regulatory developments and enforcement trends, assess what they mean for Stripe, and coordinate timely changes with first-line teams.
• Help Stripe prepare for and respond to U.S. regulatory exams, supervisory engagements, audits, and formal commitments.
• Work closely with Product, Legal, Risk, Engineering, Operations, Internal Audit, sponsor-bank teams, and other specialists.

Qualifications

• At least 7 years of experience in U.S. banking, fintech, or financial-services compliance.
• A deep understanding of the U.S. regulatory framework for BaaS.
• Hands-on expertise across several relevant areas, such as BSA/AML and sanctions, consumer financial protection, fair lending, deposit and FDIC insurance requirements, third-party risk, complaints and disputes, privacy and cybersecurity, ACH or card programs, and state money transmission or lending requirements.
• A track record of turning complex U.S. legal and regulatory requirements into practical policies, product requirements, controls, procedures, monitoring, testing, and evidence.
• Experience with the full compliance control lifecycle.
• Experience reviewing new products and material changes, as well as supporting regulatory change, licensing analysis, exams, audits, enforcement remediation, or commitments to regulators and Boards.
• Sound judgment, especially when ownership, regulatory precedent, or operating boundaries are not clear.
• The ability to influence and coordinate across Compliance, Legal, Product, Engineering, Risk, Operations, Internal Audit, sponsor banks, and senior stakeholders.
• Clear, concise writing and strong documentation skills.

Requirements

• Minimum 7 years of experience in U.S. banking, fintech, or financial-services compliance.
• Substantial work with BaaS, bank-fintech partnerships, embedded finance, or deposit, card, payment, or lending products.
• Deep understanding of U.S. regulatory framework for BaaS.
• Hands-on expertise in relevant areas such as BSA/AML, consumer financial protection, and privacy.
• Experience with compliance control lifecycle and regulatory change.
• Ability to influence and coordinate across multiple teams.