Compliance Sr. Mngr, BNPL/Credit Products

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: This role will serve as the Business Unit Compliance Officer for the Consumer Credit organization responsible for 2nd line compliance advisory and oversight globally. This role will support business initiatives and priorities related to PayPal Buy Now Pay Later (BNPL) products. A core component of this role includes strong knowledge of applicable Federal requirements such as FCRA, ECOA, Reg Z, 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 position is responsible for helping enable business priorities with sound compliance management practices and processes. Job Description: Essential Responsibilities: Lead complex projects and problem resolution efforts related to risk management. Collaborate with teams to identify and analyze risks that may impact operations and assets. Develop and implement strategies for risk mitigation and compliance. Assess current business trends to inform risk management practices and improvements. Drive global process improvements through effective project management and stakeholder engagement. Minimum Qualifications: 8+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications: Position Summary/Responsibilities: This role will serve as the Compliance point of contact for the Consumer Credit 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.    Meet our team: In this role, you will be a member of the Business Unit Compliance Second Line team tasked with supporting Buy Now Pay Later (BNPL) products. 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 Consumer and Product leadership team. Define compliance requirements and ensure 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. Partner with the business to understand their needs and assist in identifying and developing process and control improvements. Collaborate with team members in the identification and assessment of compliance risks associated with new products and services. Support the intake and review of Product related initiatives, including new products, enhancements, regional expansion and deprecation to ensure identification and mitigation of all risks and that regulatory requirements are met. Support ongoing and targeted compliance monitoring and/or testing, by regulators, internal audit, first line testers, and second line testers. Identify and influence action across potential areas of increased compliance risk, propose solutions to resolve issues, and provide guidance for future avoidance of similar issues. Provide regular updates and presentations to senior leadership on emerging risks, trends and regulatory changes impacting their products, services, and markets. Provide input into the development of risk and compliance reviews for senior leadership, noting key areas of focus and progress against established goals. Escalate timely and actionable information to key stakeholders. What do you need to bring: Experience in Compliance for financial services, banking, or payment systems, in supporting business partners through the various stages of product/process development, from ideation to launch.   Experience in Compliance for Credit and Buy Now Pay Later products preferred as well as experience providing product specific compliance advisory support.  Excellent ability to analyze risks in complex business processes and recommend requirements and controls to mitigate those risks.  Demonstrated ability to build and maintain relationships with key stakeholders, including strengths in influencing, conflict management, and negotiation.  Extensive experience in partnering with and counselling senior business clients, particularly in the context of a rapidly changing environment.  Excellent presentation and project management skills with the ability to successfully work multiple issues at one time. High energy and creativity, an entrepreneurial spirit and the desire to work in a growing and changing environment.  Ability to multitask effortlessly and manage competing priorities under demanding deadlines. Possess sound judgment, flexibility, and nimbleness in changing courses and solving problems swiftly and independently. We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.  Subsidiary: PayPal Travel Percent: 0 - The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is: Primary Location | Pay Range: Austin, Texas | ($130,500.00 - $193,600.00 Annually) Additional Location(s) | Pay Range: San Jose, California | ($143,500.00 - $212,850.00 Annually)
Chicago, Illinois | ($130,500.00 - $193,600.00 Annually)
Scottsdale, Arizona | ($123,500.00 - $183,700.00 Annually)
Omaha, Nebraska | ($123,500.00 - $183,700.00 Annually)
 Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable. PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes.  Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.  To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us.  For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations. Our Benefits: At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset-you. That’s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health. Who We Are: Click Here to learn more about our culture and community. Commitment to Diversity and Inclusion  PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law.  In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.  If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at paypalglobaltalentacquisition@paypal.com. Belonging at PayPal:  Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal. Any general requests for consideration of your skills, please Join our Talent Community. We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.