This critical role supports the compliant growth of PayPal's business in the UK by developing product compliance strategies, frameworks, and policies. The manager ensures effective implementation across UK and Global functions, providing proactive support and constructive challenge. The role requires in-depth strategic thinking, the ability to work in a fast-paced, cross-functional environment, and a focus on customer and regulatory considerations to make business-oriented recommendations aligned to risk appetite.

Must Have

• Identify and recommend best practices for risk management.
• Lead projects enhancing risk assessment and mitigation efforts.
• Collaborate to analyze business trends and their risk implications.
• Contribute to process improvements for risk management strategies.
• Provide guidance and support for risk management initiatives.
• Provision of second line market compliance oversight & advisory support.
• Support for Risk & Compliance Program delivery, including risk assessments.
• Effective reporting of key risks and KPIs into UK governance.
• Delivery of new and existing product compliance reviews.
• Ongoing maintenance of SME knowledge for effective advice and oversight.
• Collaboration with internal teams to drive effective risk mitigation plans.
• Collaboration with global risk and compliance teams.
• Act as a trusted partner to business and enablement teams.
• Support the design and implementation of oversight frameworks.
• Engage with varied Sales & Marketing stakeholders.
• Demonstrate subject matter expertise in payments, merchant services, digital/crypto assets.
• Champion positive customer outcomes and understand Conduct Risk.
• Comfortable with subjectivity, ambiguity, and limited information.
• Flexible to change, adapting decisions accordingly.
• Accountable for building effective and diverse teams.
• Degree level education.
• Excellent English communication skills, verbal and written.
• 3+ years in UK financial industry with proven compliance function experience.
• Excellent problem solving and analytical skills.
• Strong project management skills and demonstrable change management experience.
• Sound decision making and judgement, calmness under pressure, and ability to prioritise.
• Strong interpersonal skills, confident engaging with diverse stakeholders.
• Experience with UK regulators and the regulatory exam process.
• Extensive knowledge of FCA & PSR requirements and UK regulatory landscape.
• Ability to work within a matrix environment and cross functionally.

Good to Have

• High energy and creativity with an entrepreneurial spirit.

Perks & Benefits

• Flexible work environment
• Employee shares options
• Health insurance
• Life insurance

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:

A critical role, supporting the compliant growth of the PayPal business in the key UK market by developing PayPal’s product compliance strategies, frameworks and policies and ensuring effective implementation across all functions of the UK and Global business which support the UK markets and its customers, through proactive support and constructive challenge.

In this role, you will to need to demonstrate the development of in-depth strategic thinking and the ability to work in a fast-paced, cross functional environment, keeping the customer and key regulations at the forefront of decision making to make business-oriented recommendations aligned to risk appetite.

Job Description:

Essential Responsibilities:

• Identify issues and recommend best practices for risk management within the organization.
• Lead functional projects and programs that enhance risk assessment and mitigation efforts.
• Collaborate with teams to analyze business trends and their implications for risk management.
• Contribute to process improvements that enhance the effectiveness of risk management strategies.
• Provide guidance and support to team members in executing risk management initiatives.

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Core Duties and Key Strategic Objectives

• Provision of second line market compliance oversight & advisory support to varied business and product and servicing teams across the Uk and Global enterprise.

• Support for Risk & Compliance Program delivery, including risk assessments, annual oversight and monitoring plans, policy development.

• Effective reporting of key risks and KPIs into UK governance, including PPUK Product Governance, Outsourcing, Conduct and Customer Outcomes, Risk and Audit & Risk Committees, along with other global fora.

• Delivery of new and existing product compliance reviews to support identification and appropriate mitigation of first line operational and regulatory risks, in line with PPUK policy and risk appetite.

• Ongoing maintenance of SME knowledge to facilitate effective advice and oversight of current and emerging risks.

• Collaboration with internal teams (such as PPUK functional leaders, Global Financial Crime, Program enablement, internal control partners, product leaders) to drive effective risk mitigation plans and supporting business requirements.

• Collaboration with global risk and compliance teams, across all three lines of defence, to support strategic development, policy / process alignment and continuous improvement of risk and compliance management frameworks.

You Will Also

In this role you will be critical to the successful execution of the UK and Global risk and compliance programmes. To achieve this, you will also need to :

• Act as a trusted partner to business and enablement teams and work to implement Programme, new product and BAU change to comply with the evolving regulatory and internal control environment

• Support the design and implementation of oversight frameworks for future expansion programs

• Be highly visible in engaging with varied Sales & Marketing stakeholders.

• Be comfortable delivering and navigating constructive challenge

• Demonstrate subject matter expertise in one or more of payments, merchant services, digital / crypto assets and continuous compliance monitoring frameworks.

• Be a champion for positive customer outcomes and provide a demonstrable understanding of Conduct Risk assessment and measurement

• Be comfortable with subjectivity, ambiguity taking a considered position on risks exposures, sometimes based on limited information.

• Be flexible to change - remaining open to new information or approaches and adapting decisions accordingly.

• Be accountable for building effective and diverse direct and virtual teams, attracting and retaining skilled talented individuals as well as taking an active role in developing and mentoring at all levels.

Basic Qualifications

• Degree level education

• Excellent English language communication skills, verbal and written.

• 3+ years in the UK financial industry with proven experience in a compliance function.

• Subject matter expertise in one or more of payments, SME merchant propositions, digital currency / crypto assets and / or continuous compliance monitoring.

• Excellent problem solving and analytical skills

• Strong project management skills and demonstrable change management experience.

• Sound decision making and judgement, calmness under pressure, and the ability to effectively prioritise and delegate.

• Strong interpersonal skills, confident engaging with a diverse range of stakeholders, in a fast-paced, growth focused environment.

• Experience with UK regulators and the regulatory exam process in a financial institution.

• Extensive knowledge of FCA & PSR requirements plus appreciation of broader UK regulatory landscape

• High energy and creativity with an entrepreneurial spirit.

• Ability to work within a matrix environment and cross functionally with commercial, operations and technology functions.