Enterprise Risk Management Lead

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.

Stripe is forming a Georgia-chartered Merchant Acquiring Limited Purpose Bank (MALPB) to harden and scale our payments and financial infrastructure. Our people play an important role in enabling Stripe to increase the GDP of the internet. We are a deeply caring group of folks, slightly obsessed with our tradecraft, dedicated to protecting our users and the financial ecosystem from crime, and committed to our work, our lives, and our hobbies with equal passion.

This role will need to reside in the Atlanta area. We are not considering remote or travel candidates at this time.

We are seeking an experienced and dynamic Enterprise Risk Management Lead to adapt, implement, and oversee the MALPB’s ERM Program. As the Enterprise Risk Management lead, reporting directly to the MALPB Chief Risk & Compliance Officer, you will establish, manage, and enhance the MALPB's risk management framework, ensuring robust risk and controls measures across various aspects of the MALPB including operational, strategic, compliance and technology. You will drive the maturity of the ERM framework, enhance risk visibility, and strengthen strategic decision‑making that aligns with Stripe MALPB's long‑term business goals. This position requires a strategic thinker with strong business acumen, exceptional collaboration skills, and the proven ability to influence leaders across the organization.

• Lead the implementation of enterprise risk strategies in partnership with operational and executive leadership
• Enhance and operationalize ERM framework and methodology in line with business objectives
• Oversee the annual enterprise risk cycle, including identification, assessment, prioritization, and risk response planning.
• Develop governance and reporting strategies and deliver ERM reporting to senior leadership, the Audit Committee, and the Board.
• Support the development and maintenance of KRIs, KPIs, and risk analytics aligned with MALPB's risk appetite
• Partner with MALPB and corporate functions including Internal Audit, Legal, Compliance and Information Security to strengthen governance and oversight.
• Design and execute a "smart" monitoring and testing program, with a special focus on risk outside of financial crimes and regulatory compliance.
• As a founding member of this function, you’ll need to wear many hats and be ready to take on diverse responsibilities to ensure our bank-level ERM, Risk and Compliance functions are effective, lean, tech-enabled, and perfectly aligned with the broader Stripe mission.

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.

• Bachelor’s degree in Risk Management, Business, Finance, Engineering, or a related field.
• 7 or more years of experience in Risk Management, ERM, Finance or related discipline at a bank or fintech.
• Experience developing ERM frameworks and methodologies from the ground up and maturing the strategies in large organizations with a tech first mindset, and using technology to scale and operationalize ERM practices.
• Strong knowledge of ERM frameworks (COSO, ISO 31000).
• Demonstrated influence and collaboration capabilities across all levels, including executives and global stakeholders. 
• Familiarity with the risk and regulatory environment of banks, including state and federal agency handbooks and guidance.
• Strong analytical and reporting skills with the ability to translate complex data into actionable insights for management.
• Excellent written and verbal communication skills, with a proven ability to collaborate effectively with diverse internal and external stakeholders.
•  Understanding of the unique risk profile of merchant acquiring and high-volume payment processing. You know that "risk" in payments moves at the speed of light.

• Experience with a new bank or a startup environment.
• Experience in a technology-forward environment, comfortable with the application of new and innovative technology to regulatory compliance solutions.
• Professional certifications (CRM, ARM, CRMP, CERA, CPA, CIA).