Risk Operations Analyst

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 Risk Operations team is looking for an experienced analyst to join an industry leading global fraud operations team. This role is responsible for conducting onboarding, as well as periodic risk reviews and investigations related to fraud, supportability, and compliance requirements for Stripe's Greater China (GCN) users.

In addition to executing complex, unified user risk assessments these analysts will work collaboratively with cross-functional teams and stakeholders to expand the impact of the team to scale Greater China (GCN) user risk assessment and support processes.

They should have a deep understanding of risk analysis in either fraud, compliance or user policy/TOS, demonstrate excellence conducting complex reviews of high volume/new users, strong analytical skills, comfort engaging directly with users via email/live calls, and experience leading process improvement initiatives in a highly cross-functional & collaborative environment.

What you'll do

Did you know that only around 4% of the world's GDP comes from internet commerce At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn't come without significant risk. Billions of dollars are processed by Stripe each year and the Fraud Operations team works to ensure that exposure is minimized while facilitating company growth.

We are looking for someone passionate about minimizing risk while enabling our Greater China users, conducting in-depth risk investigations across fraud, policy, and compliance, and who has a strong desire to work collaboratively with stakeholders while building and scaling risk investigations and support for Greater China. This position works closely with cross-functional stakeholders across go to market, operations, risk, and product to mitigate financial and ecosystem risk while enabling our users.

The right candidate for this role will have a minimum of four years experience conducting complex risk investigations and building & scaling risk processes in a highly collaborative and cross-functional environment, preferably within ecommerce or payments. Candidates should also have experience working closely with cross functional stakeholders to drive investigative and operational process improvements, conduct root cause analysis, and be fluent in written and spoken Mandarin.

Responsibilities

• Conduct unified risk reviews for Greater China users at onboarding investigating and identifying fraud, compliance, and policy risks.
  
• Work directly with users and go to market to build context into business models, validate documentation, and assess supportability.
  
• Conduct periodic investigations on high risk accounts to identify and mitigate fraudulent or other high risk behaviors.
  
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks and build for scale through a collaborative approach with stakeholders.
  
• Lead cross functional projects to improve operational processes and tools to enhance detection and actioning of high risk users.
  
• Investigate, mitigate, and remediate incidents related to fraud, compliance, or supportability risks.
  

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

• At least 4 years of experience conducting complex risk investigations.
  
• A minimum of 1 year of experience in leading risk-related projects or initiatives, while effectively collaborating with cross-functional stakeholders.
  
• Experience using data to propose creative solutions to both tactical and strategic problems.
  
• Creative mindset, strong team orientation, and exceptional problem-solving capabilities.
  
• A willingness and ability to challenge the status quo and propose improvements.
  
• An aptitude for approaching challenges from the user's perspective while maintaining a pragmatic and solutions-oriented approach.
  
• Professional fluency in both written and verbal Mandarin communication, as this role is responsible for conducting onboarding, as well as periodic risk reviews and investigations related to fraud, supportability, and compliance requirements for Stripe's Greater China users.
  

Preferred qualifications

• In depth experience conducting risk assessments focused on either fraud, compliance, and supportability.
  
• Risk experience focused on APAC and Greater China, preferably in payments, e-commerce, or fintech.
  
• Experience working directly with users to fulfill document requests, onboarding, and risk requirements.
  
• Experience designing fraud/risk workflows, analyst tooling, and processes/procedural workflows.
  
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations