Japan Regulatory Compliance & Money Laundering Reporting Officer (RC & MLRO)

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

Stripe is seeking a Regulatory Compliance and Money Laundering Reporting Officer (RC and MLRO) to lead our regulatory compliance and financial crimes program in Japan. This role sits within the Affiliates pillar of the Financial Crime, Compliance and Risk Oversight (FinCRO) organization, and you’ll report to the APAC Affiliates Lead.

You’ll be the named RC and MLRO of Stripe Japan and will lead and assist in the registration of Stripe Japan as a Funds Transfer Business Operator (FTBO) with the Kanto Local Finance Bureau (KBF), under the oversight of the Japan Financial Services Agency (JFSA). As the RC and MLRO, you’ll be the principal decision-maker and strategic lead on regulatory compliance and financial crime risk management decisions, serving a critical role in ensuring Stripe’s continued safe growth and success in Japan. You’ll also be the public face of FinCRO in Japan. The ideal candidate has deep subject matter expertise and a proven track record building and evolving tech-forward regulatory compliance and financial crime programs (collectively, compliance programs).

What you’ll do

Responsibilities

• Develop and implement a robust and effective compliance strategy for Japan, aligning with global FinCRO objectives and business goals, leveraging AI, data science, and automation wherever possible. Provide regular reporting and updates to Stripe Japan’s Board of Directors regarding the health and effectiveness of the compliance programs.
• Act as the RC and MLRO, owning and enhancing Stripe Japan’s compliance programs, in particular, ensuring the financial crime program is designed to efficiently and effectively prevent, detect, and report money laundering, terrorist financing, and other financial crimes.
• Proactively engage with local regulators to shape the future of fintech oversight, advocating for tech-enabled compliance solutions. Serve as the primary point of contact for regulators and an ambassador for Stripe in Japan.
• Act as a thought leader in the payments industry, representing Stripe in external forums and groups to help modernize regulatory expectations for the fintech era.
• Build and maintain trust and strong, collaborative relationships with key financial partners, including banks, payment networks, and other third-party providers. Educate partners on Stripe’s compliance programs and controls, and serve as the senior point of contact for escalations.
• Provide expert advice to key stakeholders on product development to foster compliance by design.

Who you are

Minimum requirements

• 10+ years of experience in financial crime, with a significant focus on financial services, fintech, or payments, and deep contacts and influence across the industry
• Deep and current knowledge of financial crimes and other relevant financial services laws and regulations across Japan
• Excellent communication skills, with the ability to articulate complex regulatory concepts to both technical and non-technical audiences
• Ability to think strategically and translate complex regulatory requirements into creative and practical solutions
• Strong problem-solving skills, with a data-driven approach to decision-making
• Ability to define and iterate on Stripe Japan’s risk appetite, ensuring a defensible stance as Stripe explores new, high-growth verticals and opportunities
• High data literacy, with the ability to work closely with data teams to identify emerging financial crime patterns and validate the effectiveness of detection models

Preferred qualifications

• Experience working in a global, matrixed organization
• Deep competence navigating regulatory requirements in a high-growth environment
• CAMS (Certified Anti-Money Laundering Specialist) or other relevant professional certifications