Sr Analyst, Internal Controls

The Company

PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. 

We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards.  Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade. 

Our beliefs are the foundation for how we conduct business every day.  We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Job Summary:

The Senior Analyst, Business Risk and Control Lead (BRCL) position supports both Global Financial Crimes, Customer Protections (GFCCP) and Global Fraud Prevention (GFP) organizations by ensuring PayPal's operations and procedures comply with all relevant laws, regulations, and industry standards. You will support Product and Business owners in daily risk management activities, lead regulatory change management initiatives, collaborate across all defense lines, and provide subject matter expertise in financial crimes, fraud prevention, and compliance programs. This role requires a proactive approach to compliance management, ensuring PayPal not only meets current regulatory standards but is also prepared for future regulatory changes and emerging fraud threats.

Job Description:

Essential Responsibilities:

• Collaborate with internal teams to influence the quality and effectiveness of internal control processes.
• Evaluate and recommend alternative solutions to improve internal control systems.
• May act as a subject matter resource for entry level and developing colleagues
• Conduct assessments of internal control effectiveness and compliance.
• Engage in continuous improvement initiatives to enhance internal control practices.

Expected Qualifications:

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications:

Additional Responsibilities

• Identify potential breaches of regulatory obligations and ensure key controls are in place to mitigate risk across GFCCP and GFP operations
• Build and maintain deep understanding of key risk management principles and PayPal's financial crimes prevention and fraud prevention products and services within your area of responsibility
• Lead regulatory change management processes including gap analysis, remediation planning, and implementation oversight to ensure compliance with evolving regulatory landscapes
• Lead identification, mapping, assessment, and ongoing monitoring of risks (emerging and persistent/active) using PayPal's Integrated Risk Management platform (ServiceNow) across both GFCCP and GFP domains
• Collaborate with stakeholders and utilize AI Tools to map risks and controls to existing business processes and identify opportunities for process improvements in ServiceNow
• Support regulatory change management processes including conducting gap analyses, creating implementation tasks, and