Senior Analyst, Risk Management

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 Description Summary:

In this position, you will play a crucial role in ensuring that PayPal effectively supports specialized verticals in a responsible and scalable manner through rigorous ongoing monitoring, diligent review processes, and the implementation of robust risk management strategies. This includes continuously assessing and mitigating potential risks, ensuring compliance with regulatory requirements, and maintaining the highest standards of operational integrity. You will engage with multiple internal and external stakeholders to conduct oversight and testing of merchants on an ongoing basis. You will be instrumental in preventing the exploitation of PayPal’s services for illicit purposes and ensuring compliance with complex financial industry legal requirements in areas such as brand risk management (BRM), anti-money laundering (AML), counter terrorist financing (CTF), financial intelligence, and suspicious activity/matter reporting (SAR/SMR).

You will work in close collaboration with multiple areas of the company across PayPal’s global footprint. This role will require a candidate that can work well as a team and as a sole contributor to address specific needs of the BRM program and of our business areas.

Job Description:

Key Responsibilities:

• Evaluate content within specific verticals to ensure compliance with PayPal’s Acceptable Use Policy (AUP). Identify and flag content that violates our policies and take appropriate action in collaboration with key partners.
• Conduct thorough Open-Source Intelligence (OSINT) investigations to identify patterns, trends, and typologies impacting PayPal and the global user community.   
• Maintain a high degree of discretion and confidentiality while conducting investigations and handling sensitive information.
• Prepare detailed reports and readouts for senior leadership, highlighting trends, risks, and opportunities for improvement. Provide actionable insights and recommendations based on data analysis.
• Facilitate collaboration on cross-functional matters with a BRM-component, including interaction with internal stakeholders such as Public Relations, Legal, Compliance/AML, Global Investigations, Analytics etc.
• Identify opportunities for automation to enhance operational efficiency and streamline processes.
• Staying apprised of regulatory changes globally to assist in determining impacts to PayPal and driving program changes.
• Conduct onsite visits with merchants to assess their controls and compliance frameworks.