Fraud Strategist - Ecosystem

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 Fraud Strategy is responsible for building scaled fraud mitigation systems that prevent fraud and protect the financial ecosystem, while minimizing disruption to good users. The fraud team’s mission is to protect Stripe, our users, and the broader financial ecosystem from actors who abuse Stripe accounts for financial gain. What you’ll do As a Fraud Strategist, you will be responsible for building strategies to mitigate fraud (buyer fraud, seller fraud and account fraud) on new and existing Stripe products. You will enable safer money movement for our users and help Stripe manage fraud risks intelligently. The stakes are high, and you will be up against ever-evolving challenges. You will face some of the most complex and dynamic problems at the company, and the nature of your work will evolve rapidly to combat new and more sophisticated challenges to Stripe's integrity in the financial ecosystem.  You'll partner closely with Product, Engineering, Data Science, Operations and other Risk Strategy functions to ensure fraud controls are embedded in every Stripe product. Beyond protecting against fraud risk, you'll drive innovation in how Stripe approaches fraud management— staying ahead of emerging fraud trends and pushing the boundaries of what effective, scalable fraud risk management looks like at a global payments company. Responsibilities  * Monitor portfolio to identify, mitigate and predict risky behavior that could result in losses for Stripe, our users, and the financial ecosystem * Collaborate with internal partners like Product, Engineering, Data Science, Risk Partnerships, and Operations, to tailor fraud risk management techniques to various products and payment methods across the globe * Continually evaluate products for gaps and propose risk controls to enhance the product while enabling growth * Scale risk processes to cover a large and complex landscape of fraud risks. Effectively design, outsource and automate manual/repetitive workflows * Work with Stripe users to educate them and guide them on how to prevent potential fraud risks to their business * Effectively and clearly communicate with other Stripes, Stripe's users, and Stripe's financial and regulatory 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 *   5+ years of relevant experience, preferably in Financial Services, Payments or FinTech *   Curiosity and passion for risk management - you dig into anomalies and solve root causes *   Decisiveness and openness to learning, with comfort making high-impact calls daily *   Data-driven judgment - skilled at using quantitative analysis to drive and defend decisions *   Empathy for early-stage businesses and the ability to balance enforcement with user experience *   Strong analytical skills, including the ability to frame complex tradeoffs through data and visualization *   Advanced SQL skills with hands-on experience in business environments *   Proven ability to collaborate and execute cross-functionally with Engineering, Product, Data Science, and Operations *   Excellent written and verbal communication skills, with the ability to convey complex ideas clearly across teams *   Holistic thinking and the ability to build scaled processes that bridge systemic gaps *   Track record of deriving actionable insights from complex problem spaces and influencing product direction *   Ownership mentality and the ability to lead without formal authority *   Proficient with AI tools to accelerate productivity and process automation Preferred qualifications * Expertise with quantitative tools such as Python, R, etc * Experience with payments, risk, or trust & safety * Experience working with machine learning teams * Experience working in fast-paced and rapidly changing start-up environments

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 As Stripe continues to develop innovative products that serve businesses of all sizes around the world, risk will increase in complexity and scale. The User Risk Strategy org protects and advances our business, brand, and mission by building and deploying market-leading policies and practices that instill user and partner trust in Stripe while enabling business growth. WHAT YOU'LL DO Under the User Risk Strategy org, you'll be part of the Ecosystem Risk Strategy Team, part of our "First Line of Defense" function within the Risk organization, driving the frameworks that dictate who Stripe does business with, on what terms, and how enforcement is executed at scale. The Ecosystem Risk Strategy Team focuses on our positioning and standards within the broader payments and risk ecosystem — including card network supportability, industry-body engagement, regulatory horizon scanning, and the overarching risk framework that governs our standards. Risk Strategists on the Ecosystem Risk Strategy Team work to make sure the User Risk Strategy team is properly calibrated to ensure we avoid (and take) the proper risks. We work with cross-functional partners to monitor and mitigate risk related to card network rules and BIN sponsor requirements. We interact with Risk Partnerships, Credit, Legal, Fraud, and other cross-functional teams to ensure our standards are properly calibrated. We're looking for someone who is passionate about navigating ambiguity, engaging with internal and external stakeholders, enabling business growth while balancing risk, and identifying ways to improve user experience. RESPONSIBILITIES * Drive risk strategy for company-level strategic initiatives, including partnering with our product, legal, operations, sales, and partnerships teams to solve risk problems and ensure a positive experience for our users * Perform research and analysis to assess our current risk performance and develop and prioritize long-term strategic plans for future growth * Enable user onboarding to safely grow at scale, continuously optimizing for efficiency and effectiveness, and staying hyper-focused on a positive user experience * Challenge the status quo and provide multiple alternative solutions and key execution criteria * Represent Stripe in external engagements with our most critical partners and customers * Execute special projects and ad-hoc analyses as initiatives, products, risks, and opportunities are constantly evolving 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 * 8+ years of professional experience in financial services, payments, tech, law or policy * Experience in a related role (risk, compliance, or product enablement) * Experience in developing risk strategies and solutions and working with technical (product and engineering) and operations teams to implement them * Ability to distill complex, ambiguous risk and policy problems into clear, concise, and reliable guidance for internal stakeholders and Stripe users * Strong stakeholder management skills, including experience influencing product and engineering, sales, data science, and operations teams — with a proven ability to take complex issues and turn them into actionable next steps, hold others accountable, and meet deadlines * Demonstrated track record of deriving insights from complex or technical problem spaces and evangelizing actionable product recommendations * Familiarity with legal, credit, and fraud risk PREFERRED QUALIFICATIONS * Experience with data querying languages (e.g., SQL) and proficiency in quantitative analysis geared towards drawing actionable insights from complex datasets * Advanced degree in law, business, policy, or international relations * Experience in translating business requirements to technical configurations * Experience in a client-facing role managing relationships with large, global, and complex organizations