Financial Crimes Program Manager (Governance & Testing)

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

About the team

Stripe is forming a Georgia-chartered Merchant Acquiring Limited Purpose Bank (MALPB) responsible for Stripe’s merchant acquiring activities with payment card networks for a segment of users. As a new entity, our team plays an important role in enabling Stripe's mission while building a safe and compliant program from the ground up. We are a deeply caring group of professionals, passionate about our work, dedicated to protecting our users and the financial ecosystem from crime, and committed to our work, our lives, and our hobbies with equal passion.

This role will sit in our upcoming Atlanta office, with the expectation that the successful candidate will reside in the Atlanta metro area and spend 50% of their month in-office. This role is not open to remote candidates. 

What you’ll do

We are seeking a seasoned Financial Crimes professional to assemble and manage the governance framework, control testing, and management information reporting for our new MALPB. In this role, you will be a key individual contributor to the Financial Crimes team, reporting directly to the MALPB’s Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Officer (aka, the MALPB’s Financial Crimes Officer). Your primary responsibility will be to provide oversight of the program’s operational integrity and test the effectiveness of key controls to support the MALPB's mission.

Responsibilities

• Control Testing & Vertical Reviews: Design and execute a program of vertical reviews to test the effectiveness of financial crimes controls. You will conduct end-to-end testing of specific processes within a single business unit, such as customer onboarding, sanctions screening, or transaction monitoring. Your responsibilities will include developing testing scripts, documenting findings, and reporting on the results of these deep-dive reviews to management.
• Program Governance: You will be responsible for monitoring and overseeing the financial crimes program's operational health. This includes ensuring all training requirements are met, tracking the remediation of internal audit and regulatory exam findings, and serving as a key liaison to other Stripe Financial Crimes teams to ensure consistency and collaboration in shared services. You will act as the specialist who ensures financial crimes shared services meet the MALPB’s specific regulatory and other needs.
• Management Information Reporting: Coordinating the design, generation, and presentation of key management reports to the BSA/AML Officer and other senior leaders. These reports will provide critical insights into the MALPB's risk profile and performance, detailing new account onboarding, portfolio composition, suspicious activity reporting, and other key risk indicators. You will also be responsible for communicating program health, key metrics, and risk-related trends to the Board and management on a regular basis. You will partner with data analytics and other teams to produce these reports.

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum requirements

• 5-8 years of experience in an AML compliance role within the financial services industry, particularly in payments, banking, or money services businesses.
• Demonstrated experience in control testing, program governance, and management information reporting.
• In-depth knowledge of the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, and other relevant financial crime regulations.
• Experience working in or with a state or federally regulated financial institution (e.g., state bank, national bank or federal savings association).
• A proven ability to work efficiently and independently in a fast-paced, high-volume environment.
• The ability to excel in a highly cross-functional role, collaborating closely with various internal stakeholder groups.
• An effective and relatable "culture of compliance" mentality.

Preferred qualifications

• Experience with a merchant acquirer or in a payments-acquiring environment.
• Related regulatory experience, such as anti-bribery and corruption or audit.
• Experience in a technology-forward environment, comfortable with the application of new and innovative technology to financial crime solutions.
• CAMS certification.