Financial Crimes Enhanced Due Diligence Analyst

Who we are

About Stripe

Stripe’s mission is to increase the GDP of the internet. We build the most powerful and flexible tools for running an internet business. We handle billions of dollars each year and enable millions of users around the world to scale faster and more efficiently by building their businesses on Stripe. More than 80% of American adults bought something on Stripe in the last year.

About the team

We are looking for a Financial Crimes Enhanced Due Diligence Analyst based in either New York City, Seattle, San Francisco, or US Remote. This role will focus on investigative and oversight functions related to Know Your Customer (KYC), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Customer Risk Rating (CRR) and other financial crimes and regulatory compliance processes in support of Stripe's growing business. The right person for the role will enjoy dealing with that puzzle, seeking creative solutions, and moving quickly, often in the face of ambiguity.

What you’ll do

Responsibilities

As an Enhanced Due Diligence Analyst on the Global Financial Crime Due Diligence Team you will:

• Evaluate escalations received from various sources to determine the level of risk exposure and assess applicable mitigation controls;
• Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions;
• Serve as a point of contact to internal groups (Legal, Sales, Sanctions, etc.) to address customer risk and due diligence questions;
• Investigate and respond to requests for information from banking and financial partners;
• Lead in the execution of special projects and and assignments (Review Triage, CRR Methodology, Training, Vendor Oversight);
• Drive the creation of novel KYC and due diligence approaches to support the expansion of Stripe’s business;
• Conduct CDD, Politically Exposed Persons (PEPs), and EDD investigative reviews of complex customers that pose increased levels of financial crime risk; 
• Provide guidance to vendors and third parties in the execution of outsourced investigative efforts; and
• Effectively and clearly communicate, including with other Stripes, Stripe's users, and Stripe's financial partners.

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

• 4+ years of experience with roles within financial crimes, AML, due diligence, customer risk rating, sanctions, fraud mitigation, research, or related fields;
• 2+ years experience with roles having oversight of financial crimes, AML, sanctions, risk, fraud, research, or a related operations;
• Investigative expertise and strong knowledge of BSA, AML, USA PATRIOT Act, and OFAC regulations;
• Excellent research and writing skills;
• Ability to synthesize large amounts of information, including transaction data;
• Ability to understand onboarding and business registration processes;
• Ability to work efficiently and independently in a fast-paced environment; a
• Ability to work cross-functionally with internal stakeholders

Preferred qualifications

• ACAMS, ACAMS CGSS, ACSS, and or CFE Certification;
• Excel or SQL abilities;
• Familiarity with MacOS and Google products; 
• Technical curiosity and an interest in evolving sanctions, AML, or regulatory compliance trends; a
• Foreign language fluency.