Sr Analyst, Internal Controls

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:

The Senior Analyst, Business Risk and Control Lead (BRCL) position supports both Global Financial Crimes, Customer Protections (GFCCP) and Global Fraud Prevention (GFP) organizations by ensuring PayPal's operations and procedures comply with all relevant laws, regulations, and industry standards. You will support Product and Business owners in daily risk management activities, lead regulatory change management initiatives, collaborate across all defense lines, and provide subject matter expertise in financial crimes, fraud prevention, and compliance programs. This role requires a proactive approach to compliance management, ensuring PayPal not only meets current regulatory standards but is also prepared for future regulatory changes and emerging fraud threats.

Job Description:

Essential Responsibilities:

• Collaborate with internal teams to influence the quality and effectiveness of internal control processes.
• Evaluate and recommend alternative solutions to improve internal control systems.
• May act as a subject matter resource for entry level and developing colleagues
• Conduct assessments of internal control effectiveness and compliance.
• Engage in continuous improvement initiatives to enhance internal control practices.

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Additional Responsibilities

• Identify potential breaches of regulatory obligations and ensure key controls are in place to mitigate risk across GFCCP and GFP operations
• Build and maintain deep understanding of key risk management principles and PayPal's financial crimes prevention and fraud prevention products and services within your area of responsibility
• Lead regulatory change management processes including gap analysis, remediation planning, and implementation oversight to ensure compliance with evolving regulatory landscapes
• Lead identification, mapping, assessment, and ongoing monitoring of risks (emerging and persistent/active) using PayPal's Integrated Risk Management platform (ServiceNow) across both GFCCP and GFP domains
• Collaborate with stakeholders and utilize AI Tools to map risks and controls to existing business processes and identify opportunities for process improvements in ServiceNow
• Support regulatory change management processes including conducting gap analyses, creating implementation tasks, and ensuring timely remediation of regulatory gaps when applicable
• Leverage ServiceNow and reporting platforms to monitor risk elements, analyze trends, and provide regular updates to management on key risk indicators
• Partner with Market Compliance, Legal, RCPE teams, Risk & Compliance oversight, Product/Functional Area teams, and other key stakeholders to ensure integrated approach to risk and compliance management

Preferred Qualifications

• Effective knowledge in financial crimes compliance programs (AML, sanctions, BSA, etc.) and fraud prevention methodologies and regulatory requirements
• Proficiency using compliance management software platforms (ServiceNow and PayPal Tools experience preferred), and analytical tools
• Ability to communicate complex regulatory information clearly and effectively.
• Demonstrate problem-solving skills with ability to operate independently while managing multiple competing priorities with challenging deadlines and exhibiting urgency when necessary
• Expert oral, written and interpersonal communication skills whereby you convey complex information accurately, clearly, and quickly to all levels of management.
• Ability to focus on desired results, determining what is important and urgent, clarifying next steps, and delegating effectively to meet deadlines and achieve desired results
• Self-starter, motivated individual who can move a project / test forward with little direction and/or guidance, willingness to ask the right questions, engage appropriate points of contact to launch tests from conception into motion.
• Demonstrated attention to detail and knowledge of multiple functions within PayPal
• Advanced analytical and reasoning skills
• Must be able to work in a fast-paced environment and work effectively under pressure to make deadlines
• Ability to establish and maintain harmonious working relationships with peers and partners
• Demonstrated ability to learn quickly, manage projects and drive/achieve results.
• Strong computer knowledge; excellent MS Word, Excel, Visio, and PowerPoint skills
• Certifications such as CPA, CIA, CFE, CAMS, etc. (Plus)
• Experience in Audit, Regulatory Exam, Compliance and Risk Management, and Control Testing Methodologies (preferred).

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

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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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com

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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

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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

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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.