Credit Risk & Collections Compliance Dir

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:

This role will serve as the primary Compliance Officer for the Collections and Credit Risk organization responsible for 2nd line compliance advisory and oversight globally. This role will support business initiatives and priorities related to PayPal credit underwriting and Pay Pal collections activities. A core component of this role includes strong knowledge of applicable Federal and State legal requirements such as FDCPA, FCRA, various state debt collector regulations, ECOA, Reg B and UDAAP to provide compliance advisory support on new initiatives and oversight of core aspects of our Compliance program such as applicable issues, incidents, and regulatory changes. This leadership position is responsible for helping enable business priorities with sound compliance management practices and processes.

Job Description:

This role will serve as the primary Compliance point of contact for the Credit Risk and Collections organization supporting various cross functional stakeholders across Global Risk Management, Compliance, Legal and Product.  This role will work directly with Product and cross-functional senior leadership to provide coordinated advisory services and support of business initiatives and priorities on behalf of Global Compliance.  

In this role, you will be a member of the Fair and Responsible Practices and Business Unit Compliance organization tasked with supporting core business areas such as Consumer product, Marketing, Small Business product, Credit and Financial Services.   

In this role, you will advise various business areas on compliance requirements, compliance risk mitigation and process and control enhancement opportunities.

In your day-to-day role you will:

• Foster close relationships across cross functional stakeholders and work collaboratively to enable compliant and customer centric solutions and experiences within the Collections and Credit Risk leadership team.
• Lead a team responsible for defining compliance requirements and ensuring they are fully understood by stakeholders and integrated in product development lifecycle and roadmaps.
• Provide subject matter expertise regarding identifying, assessing, prioritizing, and managing compliance risk including issue and incident management oversight, risk assessment, reg change management and complaints monitoring. 
• Champion team member development, coaching and program build out and enhancements.  
• Partner with the business to understand their needs and assist in identifying and dev