U.S. Banking Regulatory Compliance Lead

🕒 Outubro 1

🇺🇸 Estados Unidos – Remoto (EUA)

⏰ Tempo Integral

🟠 Sênior

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Stripe

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

Fundada em 2010

💳 Fintech

🛍️ Comércio Eletrônico

🤝 B2B

💰 Venture Round em 2021-05

Fintech • eCommerce • B2B

A Stripe é uma plataforma de infraestrutura financeira para empresas. Milhões de empresas—desde as maiores corporações do mundo até as startups mais ambiciosas—usam a Stripe para aceitar pagamentos, aumentar sua receita e acelerar novas oportunidades de negócios. Com sedes em São Francisco e Dublin, a empresa visa aumentar o PIB da internet.

Descrição

• Own the second-line compliance framework for Stripe’s U.S. BaaS products—Capital, Issuing, and Treasury—and bank-fintech partnerships. • Clarify responsibilities across Stripe, sponsor banks, program managers, processors, and other partners. • Translate U.S. federal and state laws, guidance, enforcement actions, and supervisory expectations into policies, product requirements, controls, procedures, evidence standards, and monitoring. • Set and oversee BSA/AML, customer identification and verification, customer due diligence, beneficial ownership, transaction monitoring, suspicious activity escalation, sanctions screening, and recordkeeping controls. • Oversee consumer, lending, deposit, FDIC insurance, privacy, cybersecurity, operational resilience, complaints, disputes, payment network, ACH, money transmission, and lending compliance. • Provide second-line oversight 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 obligations and control gaps, assess licensing implications, define launch conditions, and drive remediation. • Monitor U.S. BaaS regulatory developments and enforcement trends and coordinate changes with first-line teams. • Prepare for and respond to regulatory exams, supervisory engagements, audits, and formal commitments; maintain obligation mappings and evidence and oversee remediation. • Collaborate with Product, Legal, Risk, Engineering, Operations, Internal Audit, sponsor-bank teams, and specialists to clarify ownership, challenge controls, and report risk and progress.

🎯 Requisitos

• At least 7 years of experience in U.S. banking, fintech, or financial-services compliance, including substantial work with BaaS, bank-fintech partnerships, embedded finance, or deposit, card, payment, or lending products. • Deep understanding of the U.S. regulatory framework for BaaS and responsibility division among sponsor banks, fintechs, program managers, processors, and other service providers. • Hands-on expertise across relevant areas including 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. • Track record of translating U.S. legal and regulatory requirements into policies, product requirements, controls, procedures, monitoring, testing, and evidence. • Experience with the full compliance control lifecycle, including risk and obligation assessment, control design and implementation, documentation, testing or monitoring, issue management, remediation oversight, and governance reporting. • Experience reviewing new products and material changes and supporting regulatory change, licensing analysis, exams, audits, enforcement remediation, or commitments to regulators and Boards. • Sound judgment when ownership, regulatory precedent, or operating boundaries are unclear. • Ability to influence and coordinate across Compliance, Legal, Product, Engineering, Risk, Operations, Internal Audit, sponsor banks, and senior stakeholders without formal authority. • Clear, concise writing and strong documentation skills for technical, business, governance, partner-bank, and regulatory audiences.