Risk Partnerships Manager - Banks & Treasury

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

The Risk Partnerships team is an essential part of Stripe's Global Partnerships organization. Our team is responsible for building and maintaining relationships with key partner banks to manage risk for Stripe's business activities. These banking partnerships are essential to enable Stripe to accept and make payments, provide credit, move & store money and develop new products and solutions to meet our users' needs. We work across a broad range of risk and compliance topics including; credit, fraud, regulatory, financial crime, reputational, product and operational risks.

What you'll do

We are seeking a new team member to collaborate with key banking partners throughout North America and Europe. These partners will work with Stripe to develop and deliver solutions that will build our Global Payments and Treasury Network. This role will support Stripe's goals to enable users to send and receive payments domestically and internationally, store funds securely, earn yield on those funds, and enable multi-currency fund flows.

Risk management is essential for managing these relationships, and this role requires a broad understanding of risk disciplines across banking activities, including accepting and making payments, money storage & transmission, and multi-currency/cross border fund flow.

This role will lead activities to enhance risk management interactions between Stripe and its partners, manage key aspects of the partner relationships, and execute high-impact initiatives.

You will work closely with key internal and external stakeholders to set objectives, coordinate priorities and drive execution. Internally, this role will coordinate closely with product and engineering teams, and cross-functional stakeholders including Risk, Fraud, Financial Crime & Supportability, Operations, Legal and Finance. Externally, this role will work closely with Partners' Risk & Compliance teams, including senior management.

Responsibilities

• Lead risk-focused initiatives in collaboration with global financial partners (banks, networks, payment methods) to:
  
• Foster new business opportunities and user verticals
  
• Innovate on shared risk methodologies
  

Establish and maintain compliance with agreed risk appetites

Oversee and maintain the health of relationships with key risk counterparts at partner banks

Develop and manage projects and initiatives that support strong partner relationships regarding risk

Deliver business and policy recommendations that inform our risk posture

Act as a representative and negotiator of our risk approach to banking partners

Enhance existing and develop new partner-facing risk management capabilities

Lead risk-related partnership and product discussions with banking partners to align on risk approaches and strategies

Identify and pursue business opportunities by creating innovative risk-aware solutions that expand our product and user base through banking partnerships

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.

• 12+ years experience in risk-related role at a bank or fintech with experience of products & services that enabled users to send and receive payments domestically and internationally, store funds securely, earn yield on those funds, and enable multi-currency fund flows.
  
• Demonstrated deep knowledge and experience of working with bank payment schemes and networks (e.g. ACH, WIRE and local equivalents)
  
• A deep knowledge of risk and compliance issues.
  
• Ability to represent Stripe on risk, compliance, and product issues with banking partners to maintain positive relationships.
  
• Strong organizational, planning, and communication skills (written and verbal) to drive understanding, collaboration, and issue resolution.
  
• Curiosity and a partnership mindset focused on improving processes and scaling solutions.
  
• First-hand experience in risk management at a bank or fintech
  
• Strong stakeholder management skills, including navigating difficult situations, negotiating timelines, and influencing stakeholders across organizations and borders.Self-motivated and proactive, with the ability to thrive in uncertain and ambiguous environments.
  

Preferred qualifications

• Experience of financial crime programmes including; KYC/B, AML, Sanctions and Terrorist Financing, with a practical knowledge of the Bank Secrecy Act and Anti-Money Laundering regulations.
  
• A deep understanding of domestic & international payment schemes (e.g. FPS, CHAPS, BACs, SEPA, ACH, Wire)
  
• Strong understanding of the complex risks that are present when managing crossborder payments, including the management of high risk sectors.
  
• Market experience across North America & Europe, with an understanding of how current and future regulations will impact Stripe and it's banking partners.
  
• Experience of leveraging technology to support the development and embedment of scalable risk and operational processes.
  

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

The annual salary range for this role in the primary location is £118,400 - £177,600. This range may change if you are hired in another location. For sales roles, the range provided is the role's On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate's experience, qualifications, and specific location. Applicants interested in this role and who are not located in the primary location may request the annual salary range for their location during the interview process.

Specific benefits and details about what compensation is included in the salary range listed above will vary depending on the applicant's location and can be discussed in more detail during the interview process. Benefits/additional compensation for this role may include: equity, company bonus or sales commissions/bonuses; retirement plans; health benefits; and wellness stipends.

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out-and set you apart-especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.