Sr. Director – Global Seller Risk Strategy

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:

PayPal is committed to protecting our customers and our company through robust holistic risk management processes. The Global Financial Crimes & Customer Protection (GFCCP) organization is comprised of specialized teams dedicated to implementing effective policies, advanced analytics and thorough investigative processes that consider the risks posed by PayPal’s products, customers, transaction volumes and jurisdictions in which PayPal operates. GFCCP is seeking a dynamic and experienced merchant risk leader to develop and execute strategies to evaluate complex risks of new and existing merchants with a focus on financial exposure in an ever-changing external environment. This leader will support strategies across all segments of PayPal’s customer base, from our smallest businesses to our largest enterprises.
The successful candidate for this position will be a seasoned risk and underwriting professional with the ability to work seamlessly across multiple teams to evaluate merchant onboarding requirements, ongoing monitoring frameworks, and macroeconomic trends to support PayPal’s growth while protecting the brand and our customers. This includes working with second line leaders on developing risk appetite frameworks and metrics, applying those guidelines to merchant opportunities and directly engaging with executives both within PayPal and externally when appropriate. The chosen candidate will also partner closely with data science and analytics leaders to deliver tailored automated solutions, deploying risk management strategies efficiently and at scale.
This role requires deep expertise in merchant underwriting and the payments ecosystem, exceptional organizational skills, the ability to communicate across all levels of the organization and proven ability to influence change within a complex and fast-paced organization.

Job Description:

Position Responsibilities:

• Directly manage a global team of risk professionals supporting onboarding and ongoing reviews of PayPal’s merchant customer segments globally
• Partner with second line Financial Risk Oversight teams and first line data science teams to  implement risk appetite statements, support ongoing analysis of macroeconomic trends  and enhance ongoing monitoring
• Provide subject matter expertise and tailored deal guidance for complex global merchant onboarding opportunities, including briefings for senior leadership and direct merchant advisory discussions at the executive level where appropriate
• Identify control opportunities for new and existing industry verticals or market expansions