Head of AML/CTF (MLRO, STEL FCS Lead)

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

The Financial Crimes and Supportability team at Stripe exists to help protect Stripe and its users from crime.  Our people play an important role in combating financial crime across a global footprint and in enabling Stripe to increase the GDP of the internet. The global team works as a cohesive whole to manage and mitigate financial crime risks and meet and exceed the expectations of our users, our financial partners, and our regulators.  We are a deeply caring group of folks, slightly obsessed with our tradecraft, dedicated to protecting our users and the financial ecosystem from crime, and committed to our work, our lives, and our hobbies with equal passion.

What you’ll do

Help us protect Stripe and its users from crime and grow our Financial Crimes and Supportability team!

We are looking for an experienced financial crime professional to lead our Financial Crimes program in Ireland (Stripe Technology Ltd [STEL]). In this role, you will lead and be primarily responsible for managing financial crime risk at Stripe in Ireland and for our European operations. You will be the principal decision-maker on financial crime risk management decisions, serving a critical role in ensuring Stripe’s continued safe growth and success in the region. You’ll also be heavily involved in the strategic design and planning of Stripe’s financial crimes program as we enhance and uplevel controls and operations. You will be the leading expert on financial crime matters, advising on evolution of financial crime regulation, and overseeing a team of investigators to ensure quality reporting of suspicious activity.

Stripe is both a technology company and a financial services company, and you will need to be comfortable straddling both of those worlds every day. The right person for the role will be enthusiastic both about the mission of anti-financial crime and in the application of new and innovative technology approaches to protect Stripe, its users, the financial system, and the community at large from crime. The role holder will also enjoy seeking creative solutions and moving quickly, often in the face of ambiguity.

Additionally, in your role as the STEL MLRO, based in Ireland, reporting to the EMEA Head of Financial Crimes and Supportability, you will be the public face of Stripe’s financial crimes compliance team in the region.

Responsibilities

• Ensure Stripe’s global Compliance and Financial Crimes frameworks, policies and programs and controls (e.g., KYC, Transaction Monitoring, Regulatory Reporting, Sanctions, and Risk Assessment) and incorporate local regulatory requirements and industry best practices.
• Ensure that all transactions that are identified as potentially suspicious are investigated, reviewed in accordance with established procedures; and appropriate escalation and measures to mitigate Stripe’s risk exposure are taken.
• Set, lead and manage the culture of risk and compliance across the team in the local business and work with our group and regional Legal, Risk, Financial Crime and Compliance teams to define our risk appetite in the local market.
• Oversee financial crimes compliance for Stripe’s operations in Ireland and the EU, including the regulated businesses in Ireland.
• Provide guidance to the business teams on existing and upcoming regulatory requirements and potential product changes as a result.
• Serve as Money Laundering Reporting Officer on Stripe’s regulatory license(s) in Ireland and perform all responsibilities of said role(s).
• Provide strategic advisory to Stripe’s business teams on expansion initiatives from a financial crimes perspective in Ireland and the EU, both enabling Stripe’s growth and providing advice on risk mitigation.
• Serve as a thought leader for supporting and driving innovative, technology-focused compliance solutions with regulators and financial partners. 
• Partner with the team’s other Compliance Officers to build a global program through contributing to strategic planning, goal setting, and more.
• Build and maintain Stripe’s relationship with financial crimes counterparts at our partner financial institutions.

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

• 10+ years experience in an AML/CFT role; previous PCF-52 experience in Ireland and the equivalent in other European markets required
• 5+ years people management experience
• Demonstrated experience executing complex Financial Crimes initiatives
• Demonstrable experience of rolling out large-scale compliance initiatives (onboarding preferred)
• Comfort juggling numerous aspects of an AML/CTF compliance program
• Ability to work efficiently and independently in a fast-paced, high-volume environment
• Ability to work cross-functionally with internal stakeholders
• An effective and relatable “culture of compliance” mentality
• Fluency in English

Preferred qualifications

• Payments or fintech experience
• Related regulatory experience, such as anti-bribery and corruption, payments, international policy, or audit
• Familiarity with MacOS and Google products
• CAMS, CFE or ICA certification
• Additional European languages