Financial Crimes Complex Investigator

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 Complex Investigations team is responsible for conducting global investigations on all financial crime risk areas including money laundering, terrorist financing, sanctions, and fraud. The team handles particularly difficult and large-scale Financial Crimes issues, often involving egregious typologies, significant transactional activity, and atypical funds flows and product usage. The Complex Investigation team’s remit is global in scope, and it coordinates closely with regional teams on regulatory filings and risk mitigation efforts.

What you’ll do

We are looking for a senior Financial Crimes investigations expert to join the Complex Investigations team to take the lead on Stripe’s most intricate and nuanced Financial Crimes reviews. You will be responsible for conducting in-depth investigations covering multiple Financial Crimes risk areas, including anti-money laundering (AML), counter-terrorism financing (CTF), fraud, and sanctions. In doing so, you will confront complex issues, emerging and novel typologies, and significant ambiguity. In addition to conducting investigations and making recommendations on merchants, you will also be asked to evaluate how Stripe’s Financial Crimes controls could be enhanced to further mitigate identified risks and typologies. The right person for this role will enjoy dealing with this puzzle, seeking creative solutions, and moving quickly while ensuring comprehensive results.

Responsibilities

• Independently conduct a wide variety of complex investigations across all Financial Crimes risks areas, including AML, CTF, sanctions, and fraud

• Draft regulatory reports related to those complex investigations

• Propose solutions to mitigate Financial Crimes risk both across the program and on an individual case basis

• Coordinate efforts across regions on cases with cross-border exposure 

• Drive complex intelligence investigations and analytical work streams for the EMEA region in collaboration with global teams

• Demonstrate sound judgment and an ability to navigate complex high-risk cases for which the correct decisions are not immediately clear

• Proactively partner with law enforcement agencies regarding complex, high impact, or emerging typologies

• Present investigative findings, coherent risk analyses stemming from findings, and recommended risk mitigations and metrics to a wide variety of internal and external stakeholders

• 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

• 6+ years experience in investigative roles within Financial Crimes, AML, sanctions, fraud, risk, or a related field

• Strong knowledge of US AML and sanctions regulations

• Strong stakeholder management skills, including effective communications and dynamic problem solving

• Excellent research and writing skills, including in detailed investigative reports and high level executive briefings

• Ability to synthesize large amounts of information, including transaction data

• Ability to work efficiently and independently in a fast-paced environment

• Ability to handle sensitive matters with discretion

Preferred qualifications

• Experience with SQL or querying of large datasets

• Technical curiosity and an interest in exploring data and understanding systems

• Demonstrated interest, knowledge, or experience in cryptocurrency

• Experience in the online payments industry