Manager, Compliance Investigations

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 manages a team of professional investigators responsible for execution of our Anti-Money Laundering (AML) program. You will provide leadership and oversight on the creation, monitoring and reporting of timely investigations, including the filing of Suspicious Activity Reports (SAR) to local regulators such as FinCEN, CSSF, AUSTRAC, FinTRAC, etc. You will provide ongoing team development, capable of producing the highest quality work amidst the ever-changing global compliance landscape. You will incorporate effective leadership practices to ensure that your team successfully executes on their obligations, and you will be responsible for the quality of their output.

Job Description:

Essential Responsibilities:

• Applying analytic techniques to complex information sets from GC&E and other adjacent organizations in order to make logical and supported recommendations to leadership and to your direct reports on cases for reporting to Financial Crimes enforcement Network (FinCEN) and/or OFAC. Such investigation decisions are critical to PayPal’s fiduciary responsibility under the Bank Secrecy Act (Anti-Money Laundering rules) to effectively monitor customer’s activities with regard to detecting and reporting suspicious activity, including the predicate offenses of money laundering and terrorist financing.
• Using best coaching/developmental/inspirational practices to ensure that your team is successful in the following daily efforts: 1. Conducting end-to-end and exhaustive reviews of potential illegal activity or activity in violation of the regulations or PayPal policies
• Completing a time-sensitive and meticulous analysis of each instance of potential Anti-Money Laundering activity and/or suspicious financial activity across multiple jurisdictions and countries.
• Assessment of customer profiles and large amounts of data to ensure normal and expected activity, including Acceptable Use Policy adherence and Know Your Customer efforts.
• Documenting findings in narrative style format, in the manual and automated process case management system and prepare reports to management as required
• Complete level two/three quality reviews, efficiently and accurately identifying opportunities within the cases that you review, completing your reviews in a timely manner.
• Regularly exercise good judgement and in making decisions or recommendations in relation to case investigations and employee escalations from within your team.
• Work closely with PayPal’s People Team to utilize proper corrective action procedures as required.
• Schedule, prepare, and lead 1:1 coaching, scheduled team learning sessions and leverage other best practices to ensure that you are driving interactive, engaging, and analyst-driven discussions based upon developmental needs of the team.
• Ability to accurately and thoroughly assess team performance and communicate the same to analysts on a regular basis to ensure that each member of the team is aware of his/her performance at any given time as well as the development and execution of action plans aimed at improving analyst performance when needed

Expected Qualifications:

• 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Job Title:
Manager, Participant Due Diligence (PDD)

Career Level: CL7 – Manager, Risk Management

PayPal World’s Global Financial Crimes organization is seeking an experienced compliance leader to manage the Global Participant Due Diligence (PDD) function. This role is responsible for overseeing the end‑to‑end AML due diligence and ongoing risk assessment of PayPal World’s payment Participants (banks, financial and non‑financial institutions) to ensure adherence to applicable local and international AML regulations and internal policies. The Manager will lead a team of PDD Analysts, provide subject‑matter expertise on Participant AML risk, act as a key liaison with internal stakeholders and external participants to maintain a robust, risk‑based PDD program aligned with PayPal World’s business strategy, and lead the preparation of and participation in internal and external audits, including related reporting and follow‑up actions.

Essential Responsibilities:

• Lead and manage the Global Participant Due Diligence (PDD) team, including hiring, coaching, performance management and day‑to‑day prioritization of case work.
• Oversee end‑to‑end Participant due diligence lifecycle (initial onboarding, periodic reviews, and event‑driven reviews) to ensure consistent, high‑quality AML risk assessments and documentation.
• Set and continuously enhance PDD standards, procedures and methodologies, including risk rating models, documentation requirements, and quality assurance controls.
• Review and challenge complex PDD cases, providing clear, risk‑based recommendations and escalation decisions for high‑risk Participants, sensitive jurisdictions, and complex products.
• Own and refine the Participant AML Risk Assessment Model, ensuring it reflects current products, geographies, regulatory expectations and PayPal World’s risk appetite.
• Oversee preparation of key PDD deliverables, including due diligence summaries, stakeholder updates, SLAs, and Participant‑level risk assessment documentation.
• Ensure timely and accurate preparation of PDD‑related management information, including portfolio‑level metrics, trends and issues for governance forums and senior management.
• Coordinate PDD answers to internal and external audits, regulatory examinations and inquiries, including evidence gathering, responses and remediation tracking.
• Partner with central Compliance/Risk teams to ensure correct alignment of PDD procedures with enterprise AML, sanctions, and financial crime frameworks, policies and standards.
• Monitor emerging regulatory, industry and typology developments related to Banks, money transmitters, payment processors, mobile wallet and other Participant types, and update PDD practices accordingly.
• Drive continuous improvement and automation opportunities in PDD processes, tools, templates and reporting to improve efficiency and control effectiveness.
• Support and, where appropriate, lead cross‑functional projects related to new products, market expansions and strategic partnerships, ensuring PDD requirements are embedded from design through launch.

Expected Qualifications:

• 5+ years of relevant experience in AML/Compliance, financial crime, or regulatory risk management within financial services, including experience with Mobile Wallets, Banks, MSBs, PSPs or similar Participants.
• Prior experience leading or supervising AML/Compliance teams, with demonstrated ability to manage multiple priorities in a fast‑paced, global environment.
• Strong knowledge of international AML/CFT regulations and guidance (e.g., FATF, Bank Secrecy Act, FinCEN, EU/UK frameworks) and their application to payment Participants.
• Proven experience with risk‑based due diligence frameworks, AML risk assessment models, and quality assurance or control testing overdue diligence processes.
• Advanced skills in using Excel, PowerPoint and other analytical/reporting tools to consolidate data, produce dashboards, and prepare clear management reporting.
• Excellent written and verbal communication skills in English, with the ability to synthesize complex issues into clear, actionable recommendations for senior stakeholders; Spanish or another second language preferred.
• Strong stakeholder management and cross‑functional collaboration skills, including experience working across time zones and cultures.
• High level of professionalism, sound judgment, and ability to handle sensitive and confidential information with discretion.

Subsidiary:

PayPal

Travel Percent:

0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. 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 [email protected].  

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.

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We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.