Millions in the U.S. continue to be underserved or ignored by traditional financial institutions. At Stash, an investing app for more than 2 million active subscribers, we are addressing that reality by giving everyday Americans the confidence to take charge of their money and financial future. Our plans—starting at just $3 a month—provide easy and affordable access to a suite of products including investing, banking, education, and advice. Stashers are 18% more financially literate than the average American, and customers rely on Stash’s unique tools, guardrails, and content to learn about money and build wealth for the long-term.

In 2022, we made tremendous steps forward in the Stash customer experience, through the launches of Stash Core, a new banking account experience featuring access to an upgraded Stock-Back® Debit Mastercard®, enhanced customer support, and refreshed benefits, including increased rewards; and expanded access to cryptocurrency through a separate crypto account offering.

Our Talented Team

We are proud to attract phenomenal individuals who share our commitment to unlocking financial opportunity for a new generation of investors. Their unique perspectives, backgrounds, and experiences have helped create a thriving and inclusive culture based on the notion of “Prioritizing People,” a Stash core value.

Let’s solve complex problems and tackle wealth inequality.

• Partner with internal Operations, Product, and Fraud to ensure accurate execution, reconciliation, and governance of payment activity including the resolution of issues and incidents.
• Provide input and advice as a subject matter expert across several topics including: General Banking/Payments including EFTA, NACHA Operating rules and Debit/Credit Card processing
• Ensure that all money movement processes and procedures are compliant with various laws and regulations including EFTA, SEC/FINRA regulations, NACHA rules, and other payment system rules. Ensure that these processes and procedures are well documented and implemented across the organization.
• Work cross-functionally across Stash to provide money movement expertise for new products and customer-centric solutions by developing procedures, working with various projects team, and assisting with building systems and controls to meet regulatory requirements
• Conduct annual ACH/NACHA audit

• Knowledge of banking regulations (Reg E) and network rules requirements (i.e. NACHA) and their application
• Experience in payment processing, payment operations, payment product development (e.g. ACH, debit card, MRDC)
• Willingness to learn various broker-dealer and investment advisor laws, rules, and regulations
• AAP/APRP certifications
• Experience in SQL/Looker/JIRA

• Experience in working within BAAS infrastructure with third party partners
• Experience building and executing scalable compliance monitoring and testing programs
• Experience with SEC and FINRA compliance regulations

#LI-REMOTE

At Stash it is our mission to help everyday Americans invest and build wealth. That includes people of all races, genders, and abilities, so it is important to us to acknowledge and address the issues of inequality in financial services head on.

Diversity and inclusion are essential to living our values, promoting innovation, and building the best products. Our success is directly related to our employees and we believe that our team should reflect the diversity of the customers that we serve. As an Equal Opportunity Employer, Stash is committed to building an inclusive environment for people of all backgrounds.

Helping You Invest in Yourself

• Comprehensive total rewards package, comprising compensation (base salary, equity, and depending on level, an annual bonus) and health care benefits
• Complimentary subscription to Stash+ account
• Remote-first work policy – Live and work where you feel the most productive, whether that is in your home, in an office (including our NYC and London offices), or a combination of both. Anywhere in the US or UK.
• Equity & Stash Accounts [Invest, Retire, Custodial, Bank]
• Flexible PTO
• Annual education reimbursement benefit Learning & Development Fund
• Work from home equipment stipends
• Paid Parental Leave ([offerings for birth giving and non-birth giving parents) Primary & Secondary]
• Enhanced wellness benefits through Gympass, Headspace, Ginger, and Maven Health
• Stash Gives donation and volunteerism program through Millie, with an annual company match

External Recognition for Stash

• Comparably's Best Company Awards: Best Places to Work, Best Company Outlook, and Best Engineering Teamfor Diversity, Women, Culture, and more! (20232)
• Fintech Breakthrough Award: Best Personal Finance App (2023)
• BuiltIn’s Best Places to Work (2019, 2020, 2021, 2022)
• Forbes Fintech 50 (2019, 2020, 2021)
• Best Digital Bank, Finovate Awards (2020)
• Tearsheet Challenge Awards, Best Banking Card Product - Stock-Back® Card, 2020
• LendIt Fintech Innovator of the Year (2019 & 2020)

**No recruiters, please**