Staff Software Engineer, Financial Crimes

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.

Risk Engineering builds the systems that protect Stripe from fraud, credit losses, and regulatory risk across user onboarding, compliance, financial crimes, and identity verification.

Financial Crimes Engineering builds the systems and controls that let Stripe safely onboard businesses in emerging and regulated industries while keeping Stripe in compliance with sanctions law, anti-money-laundering rules, and financial partner requirements. We keep known bad actors off Stripe, find new through ongoing detection, and build AI-augmented tooling that helps expert reviewers resolve cases quickly and accurately.

We operate at scale, screening every user, enforcing jurisdictional restrictions across money movement in real time, and automating signal acquisition and synthesis into investigation workflows. We're now re-architecting our screening platform to make it safe and easy for new Stripe products to launch with the right financial crimes controls, to express richer policy as code, and to serve as a multi-tenant Risk Platform offering across Stripe's products and subsidiaries.

As a Staff Engineer on Financial Crimes Engineering, you'll own technical direction across our screening, detection, and review systems. You'll design infrastructure that balances screening latency with accuracy, build the systems that surface emerging risk and collect information to resolve it, and ensure investigators have the tooling they need. You'll work across distributed systems and policy logic, partnering with ML, Legal, and Compliance to translate regulation into working software.

• Define technical strategy & vision: Establish the multi-year architecture for Stripe’s real-time entity matching infrastructure, policy enforcement engines, and reviewer tooling

• Architect high-scale systems: Design and optimize distributed screening engines and detection pipelines handling entity- and transaction-level requests at scale with strict SLA and uptime guarantees.

• Build investigations infrastructure: Design the systems that surface suspicious activity, collect additional information from users, route cases to reviewers, and augment human judgment with AI to drive faster, more accurate case resolution.

• Drive cross-functional technical alignment: Serve as the primary technical voice with Legal, Compliance, ML, and Product leaders to translate evolving global regulatory requirements into technical ones.

• Enable Risk as a Service: Lead the architectural evolution toward a multi-tenant screening platform - laying the technical foundation for both internal product launches and external developer-facing APIs.

• Raise the engineering bar: Set standards for system design, API consistency, and operational rigor across backend and ML-adjacent systems; mentor senior engineers and lead high-stakes design reviews.

• Ensure operational excellence: Own system reliability, observability, and latency, ensuring production systems adapt quickly to sudden changes in global sanctions lists or traffic spikes, and participate in an on-call rotation for these