Sr 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 Summary: This job collaborates internally to influence the quality and effectiveness of risk management processes. It involves analyzing and assessing risks, providing informed recommendations for mitigation strategies, and engaging with stakeholders to communicate risk assessments and proposed solutions. Job Description: Essential Responsibilities: Collaborate internally to influence the quality and effectiveness of risk management processes. Analyze and assess risks to provide informed recommendations for mitigation strategies. Work outside defined processes to determine appropriate actions in complex situations. Serve as a subject matter resource for entry-level and developing colleagues on risk management practices and strategies Engage with stakeholders to communicate risk assessments and proposed solutions. Minimum Qualifications: 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications: Additional Responsibilities: Lead cross-functional efforts in playbook development, integrating legal, compliance, and risk requirements for specialized verticals; ensure processes support regulatory and business enablement priorities.​ Develop, maintain, and socialize playbooks for executive diligence, underwriting reviews, onboarding procedures, and ongoing monitoring in new and evolving verticals.​ Analyze business trends, sales pipeline, and merchant requirements to update playbooks and other sales enablement guides to ensure guidance reflects market, legal, and reputational risk factors. Support Holistic Onboarding & Underwriting operational team with Seller Risk requests and questions via Query Tool and weekly office hour sessions with multiple regional teams. Coordinate workforce plan forecasting for our Holistic Onboarding & Underwriting operational team by leading efforts to collect inputs from various teams and reviewing final output for executive leaders Leverage existing operational and asset quality metrics to drive data-based decision making, incorporating metrics into daily discussions, presentations and business enablement materials Support the implementation of AI-enabled diligence tools, merchant portal enhancements, and dynamic review systems, aligning with program standards and digital adoption requirements.​ Partner with Sales and Merchant Experience teams to support new merchant onboarding and portfolio expansion in higher-risk categories; provide training and guidance to ensure acceptance and compliance.​ Document decisions, findings, and processes to maintain clear audit trails and ensure continuous process improvement.​ Preferred Qualifications: Direct experience developing business enablement playbooks, conducting diligence, and leading regulated risk assessments in a large financial institution.​ Exceptional written and oral communication; demonstrable experience presenting to executives, cross-functional partners and external vendors. Strong project management, problem-solving, and influencing skills across multiple disciplines and geographies.​ Proven agility and independence in managing competing priorities, complex requirements, and time-sensitive deliverables in a dynamic environment.​ Experience implementing digital solutions, AI-enabled risk assessment systems, and process improvement initiatives.​ 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: Omaha, Nebraska | ($84,500.00 - $121,000.00 Annually) Additional Location(s) | Pay Range: Austin, Texas | ($89,000.00 - $127,600.00 Annually)
Scottsdale, Arizona | ($84,500.00 - $121,000.00 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.