Operations Associate, Financial Crimes Bridge KYB

At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet.

We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together.We cultivate a culture of collaboration, inclusivity and support where every team member's voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals.

As Stripe's user base and global footprint grow dramatically, especially as crypto and stablecoins fundamentally change the way money is transferred, Stripe acquired Bridge to leverage its stablecoin infrastructure for global payments. Stablecoins facilitate faster, cheaper, and more efficient transactions than traditional methods, which creates unique compliance challenges.

The Bridge Operations strategy provides operational leverage and expands Stripe's portfolio of operational capabilities to support the scaled needs in this rapidly evolving space. This role will be part of the KYC/KYB Team within the Financial Crimes organization in Bridge Operations that is accountable for performing KYC/KYB reviews during onboarding and periodic review.

What you'll do

We are looking for someone who is passionate about fighting risks and solving the puzzle of investigations, is naturally curious, and is comfortable operating in ambiguity and finding creative solutions. You will be responsible for spearheading the organization's KYC/KYB and compliance efforts within the Indian market.

The right candidate for this role will have experience in KYC/KYB compliance, preferably within the fintech or e-commerce space.

Responsibilities

• Conducting thorough Know Your Customer (KYC) reviews during the onboarding of new users, ensuring the authenticity and accuracy of all customer documentation in compliance with Indian regulatory requirements.
• Demonstrating a deep understanding of KYC/KYB and anti-money laundering (AML) regulations specific to the Indian financial services industry, and applying this knowledge to your daily analyses.
• Exercising sound analytical judgment to evaluate complex customer information, make informed decisions on the legitimacy of documentation provided, and determine the appropriate risk profile for each customer.
• Handling high-complexity KYC/KYB-related assignments and tasks with a sense of urgency, while promptly resolving incoming requests from internal teams, financial partners, and other external parties.
• Adhering closely to process documentation and drafting clear, concise investigative summaries and analyses, including the preparation of regulatory reports for submission to the relevant authorities.
• Actively participating in building a new team and operational culture focused on robust KYC and compliance practices within the organization.
• Leveraging your expertise in KYC/KYB and AML to identify and escalate any suspicious customer activity or high-risk profiles to the compliance team for further investigation and action.
• Collaborating cross-functionally with teams such as compliance and fraud to share information and insights that contribute to the overall risk management and mitigation efforts within the Indian market.

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

• 2+ years of experience in KYC/KYB, customer identification, and due diligence roles within the financial services or fintech industry.
• Proven track record of conducting in-depth customer KYC/KYB reviews, including validation of identity documents, address proofs, and income/occupation details, in accordance with Indian regulatory requirements.
• Demonstrated ability to analyze complex customer information and exercise sound judgment to assess the adequacy and legitimacy of customer documentation.
• Experience in identifying high-risk customers, transactions, or business activities, and escalating them to the compliance team for further investigation.
• Thorough understanding of Mexico KYC/KYB and AML regulations and the ability to apply this knowledge in day-to-day operations.
• Capacity to work with a sense of urgency and focus when handling queues with shorter turnaround times.
• Excellent written, verbal, and interpersonal skills to effectively communicate findings and recommendations.
• Strong problem-solving skills and the ability to work independently, analyze data, and make complex investigation decisions.
• Proactive, and detail-oriented approach to work.

Preferred Qualifications

• Knowledge in payments and the fintech industry 
• Familiarity with SQL and ability to use template or premade SQL queries as part of investigations