U.S. Banking Regulatory Compliance Lead

Stripe’s Financial Crimes Compliance Risk Oversight (FinCRO) team is looking for a U.S. Regulatory Compliance Lead for our Banking-as-a-Service (BaaS) business. You’ll own second-line oversight of Stripe’s U.S. BaaS products and bank-fintech partnerships. The work is practical and cross-functional: turn federal and state requirements and supervisory expectations into clear policies, controls, monitoring, evidence, and ownership.

This role is focused on U.S. BaaS regulation. You’ll work across sponsor-bank and fintech responsibility mapping; BSA/AML and sanctions; consumer protection and fair lending; deposits and FDIC insurance representations; privacy, cybersecurity, incident response, and third-party risk; complaints and disputes; payment network and ACH rules; state money transmission and lending requirements; and regulatory exams, remediation, and change management.

• Own the second-line compliance framework for Stripe’s U.S. BaaS products (i.e., Capital, Issuing, and Treasury) and bank-fintech partnerships. Make sure responsibilities are clear across Stripe, sponsor banks, program managers, processors, and other partners.
• Turn U.S. federal and state laws, guidance, enforcement actions, and supervisory expectations into practical policies, product requirements, controls, procedures, evidence standards, and monitoring.
• Set and oversee controls for BSA/AML, customer identification and verification, customer due diligence and beneficial ownership, transaction monitoring, suspicious activity escalation, sanctions screening, and recordkeeping.
• Oversee consumer and lending compliance for BaaS products, including UDAAP; Regulations E, Z, B, and DD; fair lending; FCRA; SCRA; FDCPA; complaints and disputes; adverse action; collections; marketing and disclosures; fees; account restrictions; and account closures.
• Oversee deposit-product compliance, including FDIC insurance representations, Reg CC, pass-through insurance requirements, pooled or custodial structures, customer-level records, ledger integrity, reconciliation, and access to funds.
• Define compliance expectations for privacy, cybersecurity, incident escalation, operational resilience, business continuity, data access, record retention, and an orderly wind-down of BaaS programs.
• Provide second-line oversight on behalf of sponsor banks and other BaaS partners 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 applicable obligations, control gaps, licensing implications, and launch conditions, then drive remediation to closure with clear owners.
• Keep pace with U.S. BaaS regulatory developments and enforcement trends, assess what they mean for Stripe, and coordinate timely changes with first-line teams.
• Help Stripe prepare for and respond to U.S. regulatory exams, supervisory engagements, audits, and formal commitments. Maintain defensible obligation mappings and evidence, identify gaps, and oversee remediation.
• Work closely with Product, Legal, Risk, Engineering, Operations, Internal Audit, sponsor-bank teams, and other specialists. Clarify ownership, challenge control design and execution, and give leaders a clear view of risk and progress.

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