Head of User Risk Strategy

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's mission is to increase the GDP of the internet — and we do that responsibly. The User Risk Strategy (URS) function is at the heart of that responsibility: it is the team that defines who Stripe can do business with, on what terms, and how those standards are maintained and enforced at scale. The function sits within the First Line of Defense in Stripe's Risk organization and is the authoritative owner of Stripe's supportability framework. We are looking for a seasoned leader to own and evolve the URS / Supportability function as a Manager of Managers (M2). In this role, you will lead a team of risk strategists and analysts across Ecosystem Strategy, New Product Enablement, User Insights & Enablement, Platform Risk Strategy, and Enforcement & Monitoring Strategy (EMS). You will be a senior leader in the Risk Strategy organization, shaping the direction of Stripe's supportability ecosystem and driving cross-functional decisions that directly influence Stripe's ability to grow safely. In this role, you will report into the Head of Risk Strategy and partner closely with Product, Engineering, Legal, Financial Crimes, Financial Partnerships, Operations, and GTM leadership. What you’ll do Responsibilities Strategy & Vision - Own the long-term vision and strategy for Stripe's User Risk / Supportability function, ensuring legitimate users can use Stripe while protecting Stripe's financial platform, brand, and regulatory standing. - Translate Stripe's business objectives and risk appetite into a cohesive, multi-year supportability strategy that balances risk exposure with user experience. - Define the risk/reward framework for new industry enablement and new product enablement — setting the standard for how Stripe evaluates and expands access responsibly. - Develop and execute a clear roadmap across the URS organization that is aligned to Stripe's SOKRs and articulated to senior leadership. Ecosystem Strategy - Own Stripe's global Terms of Service standards — the Supportability Handling Guide — including restricted and prohibited business categories. - Set the strategic direction for how Stripe's supportability ecosystem evolves as Stripe's product footprint and geographic reach expand. - Be the final decision-maker on policy changes that carry meaningful risk exposure or require cross-functional alignment, and represent Risk's position with Legal, FinCRO, card networks, and external partners. - Integrate financial partner Restricted/Prohibited Business Lists (RBL/PBL) into Stripe's policy framework. New Product Enablement - Lead the strategy and approval process for new product enablement — developing the appropriate RBL/PBL strategy for new products and incorporating new bank partner requirements. - Ensure that risk standards are embedded early in the product development lifecycle, partnering with Product and Engineering to shape how supportability is implemented in new Stripe products. - Work with Legal and Financial Partnerships to assess and integrate compliance obligations introduced by new products and banking relationships. User Insights & Enablement - Lead the strategy for new industry enablement — evaluating emerging and underserved industries for supportability, and developing the frameworks that allow Stripe to access these markets responsibly. - Own the Large User Advisory function, providing structured, high-quality guidance on complex user-specific supportability questions — enabling GTM and Partnerships to unlock revenue while managing risk appropriately. - Develop scalable frameworks for advisory decisions so the function can handle growing volume without compromising quality. Platform Risk Strategy - Lead Platform Risk Strategy, which covers large user requests, health monitoring, and education for Stripe's largest and most complex users. - Develop scalable approaches to managing the supportability risk profile of Stripe's largest platforms and complex use cases, providing clear guidance and risk frameworks to internal stakeholders. - Drive education and self-service capabilities so that internal teams and users can navigate Stripe's supportability standards more independently. Enforcement & Monitoring Strategy (EMS) - Provide strategic direction to the EMS team, which is responsible for integrating Stripe's supportability standards into detection and enforcement systems. - Ensure that URS standards are o

Strategy & Vision: Own the long-term vision and strategy for Stripe's User Risk / Supportability function, ensuring legitimate users can use Stripe while protecting Stripe's financial platform, brand, and regulatory standing. Translate business objectives and risk appetite into a cohesive, multi-year supportability strategy that balances risk exposure with user experience. Define the risk/reward framework for new industry enablement and new product enablement, setting the standard for how Stripe evaluates and expands access responsibly. Develop and execute a clear roadmap across the URS organization aligned to SOKRs and articulated to senior leadership. Ecosystem Strategy: Own Stripe's global Terms of Service standards — the Supportability Handling Guide — including restricted and prohibited business categories. Set strategic direction for evolving the supportability ecosystem as product footprint and geographic reach expand. Be the final decision-maker on policy changes with meaningful risk exposure or cross-functional alignment, representing Risk with Legal, FinCRO, card networks, and external partners. Integrate financial partner Restricted/Prohibited Business Lists (RBL/PBL) into policy framework. New Product Enablement: Lead strategy and approval process for new product enablement — developing the appropriate RBL/PBL strategy for new products and incorporating new bank partner requirements. Ensure risk standards are embedded early in the product development lifecycle, partnering with Product and Engineering to shape how supportability is implemented in new Stripe products. Work with Legal and Financial Partnerships to assess and integrate compliance obligations introduced by new products and banking relationships. User Insights & Enablement: Lead strategy for new industry enablement — evaluating emerging and underserved industries for supportability, and developing frameworks to access these markets responsibly. Own Large User Advisory function, providing guidance on complex user-specific supportability questions to enable GTM and Partnerships to unlock revenue while managing risk. Develop scalable frameworks for advisory decisions to handle growing volume without compromising quality. Platform Risk Strategy: Lead Platform Risk Strategy, covering large user requests, health monitoring, and education for Stripe's largest and most complex users. Develop scalable approaches to managing risk for the largest platforms and complex use cases, providing clear guidance and risk frameworks to internal stakeholders. Drive education and self-service capabilities so internal teams and users can navigate URS standards more independently. Enforcement & Monitoring Strategy (EMS): Provide strategic direction to the EMS team, responsible for integrating URS standards into detection and enforcement systems. Ensure URS standards are embedded across detection, monitoring, and enforcement activities.