U.S. Banking Regulatory Compliance Lead

This is a fully remote position, open to applicants in United States.

📋 Description

• Take charge of the second-line compliance framework for Stripe’s U.S. BaaS offerings—Capital, Issuing, and Treasury—as well as bank-fintech collaborations.

• Define roles and responsibilities among Stripe, sponsor banks, program managers, processors, and other stakeholders.

• Convert U.S. federal and state regulations, guidance, enforcement actions, and supervisory expectations into comprehensive policies, product requirements, controls, procedures, evidence standards, and monitoring practices.

• Establish and supervise controls related to BSA/AML, customer identification and verification, customer due diligence, beneficial ownership, transaction monitoring, suspicious activity escalation, sanctions screening, and recordkeeping.

• Manage compliance across consumer, lending, deposit, FDIC insurance, privacy, cybersecurity, operational resilience, complaints, disputes, payment networks, ACH, money transmission, and lending.

• Provide second-line oversight by conducting risk assessments, due diligence, compliance with contract requirements, control testing, performance and complaint monitoring, issue management, and exit strategies.

• Evaluate new U.S. BaaS products and significant changes, identify regulatory obligations and control deficiencies, analyze licensing implications, establish launch conditions, and drive remediation efforts.

• Keep track of U.S. BaaS regulatory changes and enforcement trends while coordinating necessary adjustments with first-line teams.

• Prepare for and respond to regulatory examinations, supervisory interactions, audits, and formal commitments; maintain mappings of obligations and evidence while overseeing remediation processes.

• Collaborate with Product, Legal, Risk, Engineering, Operations, Internal Audit, sponsor-bank teams, and specialists to clarify ownership, challenge controls, and report on risk and progress.

⛳️ Requirements

• A minimum of 7 years of experience in U.S. banking, fintech, or financial services compliance, with considerable exposure to BaaS, bank-fintech partnerships, embedded finance, or products related to deposits, cards, payments, or lending.

• Profound understanding of the U.S. regulatory landscape pertaining to BaaS and the division of responsibilities among sponsor banks, fintechs, program managers, processors, and other service providers.

• Practical expertise in relevant areas including BSA/AML and sanctions, consumer financial protection, fair lending, deposit and FDIC insurance requirements, third-party risk, complaints and disputes, privacy and cybersecurity, ACH or card programs, and state-specific money transmission or lending laws.

• Proven ability to translate U.S. legal and regulatory requirements into effective policies, product specifications, controls, procedures, monitoring, testing, and documentation.

• Familiarity with the entire compliance control lifecycle, encompassing risk and obligation assessment, control design and implementation, documentation, testing or monitoring, issue management, remediation oversight, and governance reporting.

• Experience in reviewing new products and significant changes while supporting regulatory transformations, licensing analyses, examinations, audits, enforcement remediation, or commitments to regulators and Boards.

• Sound judgment in situations where ownership, regulatory precedents, or operational boundaries are not clearly defined.

• Ability to influence and coordinate efforts across Compliance, Legal, Product, Engineering, Risk, Operations, Internal Audit, sponsor banks, and senior stakeholders without formal authority.

• Exceptional writing and documentation skills tailored for technical, business, governance, partner-bank, and regulatory audiences.

🏝️ Benefits

• Comprehensive health, dental, and vision insurance.

• Generous paid time off and flexible work arrangements.

• Opportunities for professional development and career growth.

• Collaborative and inclusive work environment.