Financial Crimes Analyst, Crypto Investigations

Unchain Data; Chicago, Northern (IL, KY); Hybrid; USD 89,000 - 133,000; Full time

Benefits offered by this job

Equity

Company bonus

401(k) plan

Medical, dental, and vision benefits

Wellness stipends

Job summary

Stripe is hiring a Financial Crimes Analyst to ensure policies, operations, and workflows align with our financial partners. You will influence cross-functional teams to identify regulatory, contractual, and partner risk and help build scalable processes for risk mitigation and compliance.

Join a team protecting the integrity of Stripe's platform while advancing operational excellence through data-driven decisions in a remote or office-based role in the US.

Qualifications

• 4+ years of experience in risk management, compliance, or financial operations.
• 1+ years of experience in cryptocurrency investigations.
• Understanding of FinCrime red flags and typologies.
• Experience in developing/implementing process improvements.
• Analytical reasoning with clear decision-making; considers multiple factors.
• Excellent written and verbal communication skills.
• Ability to analyze feedback patterns to drive process improvements.
• Knowledge of compliance policies for payment processing environments.
• Experience conducting merchant risk assessments and transaction monitoring.
• Experience driving scalable operations through vendor partnerships and automation.

Responsibilities

• Demonstrate sound judgment in high-risk, non-binary decisions.
• Adhere to process while challenging assumptions and balancing user experience with compliance.
• Communicate clearly with internal teams, Stripe's users, and financial partners.
• Identify and assess financial crime risks using data analysis and monitor for trends.
• Redesign business processes to improve efficiency, control, and compliance.
• Help scale operations across the financial crimes ecosystem.
• Identify gaps and recommend enhancements to mitigate emerging risks with stakeholders.

Skills

Analytical thinking

Effective communication

Risk assessment

Regulatory knowledge

Tools

SQL

Transaction monitoring tools

Job description

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

The Financial Crimes team plays a critical role in ensuring a healthy financial ecosystem and maintaining trust in Stripe's platform. We ensure that prohibited parties cannot utilize our services and identify bad actors engaging in money laundering, terrorist financing, or other financial crimes. As Stripe's user base and global footprint grows dramatically, this team is essential for mitigating risk and upholding regulatory compliance, directly contributing to Stripe's mission of increasing the GDP of the internet safely and responsibly.

The Role

As a Financial Crimes Analyst, you will be working to ensure our policies, operations, and workflows align to the needs of our financial partners. You will be accountable for workflows influencing a variety of cross-functional internal and external stakeholders to identify and assess regulatory, contractual, and partner risk. Further, you will influence and advise operational teams in building out scalable operational processes to ensure compliance with service level agreements, routine reporting, and overall risk mitigation.

Responsibilities

• Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions.
• Adhere closely to process while still constantly questioning assumptions, suggesting improvements, and balancing user experience with compliance requirements.
• Effectively and clearly communicate with other Stripes, Stripe's users, and Stripe's financial partners.
• Identify and assess financial crime risks, conduct reviews using data analysis, and monitor for suspicious activity and trends.
• Facilitate the re-design of business processes including clarifying, identifying issues, and facilitating changes to attain the highest levels of efficiency, control, and compliance.
• Help build and scale processes across the financial crimes operations eco-system.
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks through a collaborative approach with stakeholders.

Minimum Requirements

• 4+ years of experience in risk management, compliance, or financial operations.
• 1+ years of experience in cryptocurrency investigations.
• Understanding of FinCrime red flags, its typologies, and how they can be identified.
• Experience in developing/implementing process improvements.
• Analytical and demonstrates reasoned logic to decision making and judgements, considers external/internal factors and is able to recommend solutions in complex situations.
• Effective communication skills with the ability to produce clear, precise and concise written and presentation materials.
• Ability to analyze feedback patterns and use these insights to drive process and product improvements.
• Policy Development & Regulatory Knowledge: Proven track record developing compliance policies and procedures for payment processing environments.
• Risk Assessment: Experience conducting merchant risk assessments, transaction monitoring, and implementing risk-based compliance controls.
• Operational Management & Scaled Operations: Experience driving operational outcomes and managing large-scale operations through vendor partnerships, third-party integrations, and automated solutions to achieve efficiency and scalability in compliance processes.

Preferred Qualifications

• Data analysis tools such as SQL
• Experience in transaction monitoring or financial investigations, Sanctions, AML/EDD/KYC/KYB
• Knowledge of payment processing systems and associated risks

Work Arrangements

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).

Office-assigned roles: 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.

Remote roles: A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently live or plan to live.

Compensation and Benefits

The annual US base salary range for this role is $89,000 - $133,400. 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 location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus, 401(k) plan, medical, dental, and vision benefits, and wellness stipends.