U.S. Banking Regulatory Compliance Lead

🔥 12 hours ago

🇺🇸 United States – Remote

⏰ Full Time

🟠 Senior

🚔 Compliance

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 11%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Stripe

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2010

💳 Fintech

🛍️ eCommerce

🤝 B2B

💰 Venture Round on 2021-05

Fintech • eCommerce • B2B

Stripe is a global payments processing platform that enables businesses to accept online and in-person payments. It offers a comprehensive suite of financial services, including payment processing, billing, and revenue management tools, aimed at businesses of all sizes, from startups to enterprises. By providing a developer-friendly API, Stripe allows businesses to streamline their payment operations and embed financial services directly into their applications, facilitating both B2B and B2C transactions.

📋 Description

• 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.

🎯 Requirements

• 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.