{"absolute_url":"https://stripe.com/jobs/search?gh_jid=8188323","data_compliance":[{"type":"gdpr","requires_consent":false,"requires_processing_consent":false,"requires_retention_consent":false,"retention_period":null,"demographic_data_consent_applies":false}],"education":"education_required","internal_job_id":3543331,"location":{"name":"US-Remote"},"metadata":null,"id":8188323,"updated_at":"2026-10-01T14:46:19-04:00","requisition_id":"See Opening ID","title":"U.S. Banking Regulatory Compliance Lead","company_name":"Stripe","first_published":"2026-10-01T14:46:19-04:00","language":"en","application_deadline":null,"content":"\u0026lt;h2\u0026gt;\u0026lt;strong\u0026gt;Who we are \u0026lt;/strong\u0026gt;\u0026lt;/h2\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;About Stripe\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;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\u0026#39;s reach while doing the most important work of your career.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;About the team\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;h2\u0026gt;\u0026lt;strong\u0026gt;What you’ll do\u0026lt;/strong\u0026gt;\u0026lt;/h2\u0026gt;\n\u0026lt;p\u0026gt;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.\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;Responsibilities\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Turn U.S. federal and state laws, guidance, enforcement actions, and supervisory expectations into practical policies, product requirements, controls, procedures, evidence standards, and monitoring.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Define compliance expectations for privacy, cybersecurity, incident escalation, operational resilience, business continuity, data access, record retention, and an orderly wind-down of BaaS programs.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;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.\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;\n\u0026lt;h2\u0026gt;\u0026lt;strong\u0026gt;Who you are\u0026lt;/strong\u0026gt;\u0026lt;/h2\u0026gt;\n\u0026lt;p\u0026gt;\u0026lt;span style=\u0026quot;font-weight: 400;\u0026quot;\u0026gt;We\u0026#39;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.\u0026amp;nbsp;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;h3\u0026gt;\u0026lt;strong\u0026gt;Minimum requirements\u0026lt;/strong\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;ul\u0026gt;\n\u0026lt;li\u0026gt;At least 7 years of experience in U.S. banking, fintech, or financial-services compliance, including substantial work with BaaS, bank-fintech partnerships, embedded finance, or deposit, card, payment, or lending products.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;A deep understanding of the U.S. regulatory framework for BaaS and how responsibilities are divided among sponsor banks, fintechs, program managers, processors, and other service providers.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Hands-on expertise across several relevant areas, such as 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 money transmission or lending requirements.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;A track record of turning complex U.S. legal and regulatory requirements into practical policies, product requirements, controls, procedures, monitoring, testing, and evidence.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Experience with the full compliance control lifecycle: assessing risk and obligations, designing and implementing controls, documenting decisions, testing or monitoring, managing issues, overseeing remediation, and reporting to governance forums.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Experience reviewing new products and material changes, as well as supporting regulatory change, licensing analysis, exams, audits, enforcement remediation, or commitments to regulators and Boards.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Sound judgment, especially when ownership, regulatory precedent, or operating boundaries are not clear. You know how to separate second-line oversight from first-line execution and still move the work forward.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;The ability to influence and coordinate across Compliance, Legal, Product, Engineering, Risk, Operations, Internal Audit, sponsor banks, and senior stakeholders without relying on formal authority.\u0026lt;/li\u0026gt;\n\u0026lt;li\u0026gt;Clear, concise writing and strong documentation skills. You can explain complex BaaS requirements and control decisions to technical, business, governance, partner-bank, and regulatory audiences.\u0026lt;/li\u0026gt;\n\u0026lt;/ul\u0026gt;","departments":[{"id":144847,"name":"3311 FinCRO","child_ids":[],"parent_id":232622}],"offices":[{"id":65234,"name":"US","location":null,"child_ids":[89623,249942,249943,230657,61413,80440,344486,83778,61414,83767,83768,83776,83769,83770,83771,83772,83773,83774,89624,83789,83775,83777,83779,83780,83820,83781,83782,83783,83784,83785,83786,83787,83821,83788,83790,83791,83792,83793,83794,83854,83861,83795,83796,83797,83831,83798,83799,83856,83800,83801,83819,83802,83850,83803,83804,83805,83806,83807,83808,83809,83810,83811,83812,83813,83815,83817,83822,83824,83846,83825,83829,83830,65238,83834,83849,83859,83835,83836,83837,83839,83840,83841,83842,83843,83844,83847,83848,83851,83852,83853,83855,83857,83858,83860,83862,83814,83818,83823,83826,83827,83828,83832,83833,83816,85342,83838,83845,223073,265365,16654],"parent_id":673}],"ai_disclaimer":null,"include_ai_disclaimer":false,"ai_opt_out_request_url":"http://app.greenhouse.io/ai_opt_out_request/job_post/8188323/ai_opt_out"}