Risk Operations Analyst

Stripe; Chicago (IL); Hybrid; USD 89,000 - 133,000; Full time

Benefits offered by this job

Equity

Company bonus or sales commissions

401(k) plan

Medical, dental, and vision benefits

Wellness stipends

Job summary

Stripe is seeking a Risk Operations Analyst in the United States to help ensure compliance and scalable risk workflows across global partners. You will evaluate merchants, shape due diligence, and collaborate with cross-functional teams to strengthen detection systems.

You will communicate clearly with internal stakeholders and influence improvements, while embracing entrepreneurship and rigorous analysis. The role offers hybrid work, competitive base salary, equity, 401(k), and comprehensive

Qualifications

• 5+ years of experience in risk management, compliance, or operations in a fast-moving environment.
• Experience scaling operational processes and driving quantifiable improvements.
• Experience working cross-functionally on complex problems.
• Ability to use data to quantify problems, tell a story, and influence a solution.
• The ability and desire to challenge the status quo.
• Creative thinker who considers problems from a customer perspective while being pragmatic and solutions-oriented when solving them.
• Experience analyzing feedback patterns and using those insights to drive process and tooling improvements.
• You have a lot of ownership, are accountable, and drive towards ambitious goals.
• Deep empathy for entrepreneurs running a business and motivation to solve problems to empower them

Responsibilities

• Demonstrate sound judgment and navigate high-risk decisions.
• Evaluate merchants, from startups to institutions for Stripe processing.
• Adhere to process while questioning assumptions and implementing improvements.
• Communicate clearly with Stripe employees, users, and partners.
• Identify trends and report to cross-functional teams to enhance detection systems.
• Contribute to projects to enhance due diligence strategy systems and tools.
• Help build and scale processes across the risk operations ecosystem.
• Identify gaps in current systems and recommend enhancements to mitigate emerging risks with stakeholders

Skills

Risk management

Compliance

Operations

Data analysis

Cross-functional collaboration

Problem solving

Ownership mindset

Empathy for entrepreneurs

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.

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

Risk Operations is responsible for managing the risk relationships spanning across global payment method, card, and financial partners. It's our mission to build operational controls to mitigate user and partner risk and enable strategic development opportunities.

What you'll do

As a Risk Operations Analyst, you'll work to ensure our policies, operations, and workflows align to the needs of our financial partners. You'll be accountable for workflows impacting a variety of cross-functional internal and external stakeholders to identify and assess regulatory, contractual, and partner risk. Further, you'll 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
• Evaluate merchants, from successful venture-backed startups to well-established institutions by assessing suitability to process on Stripe
• Adhere closely to process while still constantly questioning assumptions, suggesting improvements, and following up on implementation of those improvements
• Effectively and clearly communicate, including with other Stripe employees, Stripe users, and Stripe financial partners
• Identify trends and further report these to cross-functional teams to enhance detection systems
• Contribute to projects to enhance and optimize due diligence strategy systems and tools
• Help build and scale processes across the risk operations ecosystem
• Identify gaps in current systems, policies, and strategies, and recommend enhancements and process improvements to mitigate emerging risks through a collaborative approach with stakeholders

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+ years of experience in risk management, compliance, or operations in a fast-moving environment
• Experience scaling operational processes and driving quantifiable improvements
• Experience working cross-functionally on complex problems
• Ability to use data to quantify problems, tell a story, and influence a solution
• The ability and desire to challenge the status quo
• Creative thinker who considers problems from a customer perspective while being pragmatic and solutions-oriented when solving them
• Experience analyzing feedback patterns and using those insights to drive process and tooling improvements
• You have a lot of ownership, are accountable, and drive towards ambitious goals.
• Deep empathy for entrepreneurs running a business and motivation to solve problems to empower them

Preferred Qualifications

• Experience with risk assessment and mitigation strategies in a financial technology environment
• Knowledge of payment processing systems and associated risks

Hybrid work at Stripe

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

In-office expectations

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.

Working remotely at Stripe

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.

Pay and benefits

The annual US base salary range for this role is $89,000 - $133,400. 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 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.

• equity, company bonus or sales commissions/bonuses
• 401(k) plan
• medical, dental, and vision benefits
• wellness stipends

We look forward to hearing from you.

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.