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About the Role

This role develops and articulates a clear vision and strategy for risk management, collaborates with stakeholders, inspires and leads teams, monitors risk exposure, and provides industry-leading guidance. It involves ensuring compliance and safeguarding the organization’s reputation.

Responsibilities

• Develop and articulate a clear vision and strategy for risk management aligned with PayPal's overall strategy.
• Collaborate with stakeholders to assess and mitigate risks impacting operations and assets.
• Inspire and lead teams to implement long-term sustainability and financial stability strategies.
• Monitor and evaluate risk exposure to ensure compliance and safeguard the organization’s reputation.
• Provide key inputs and guidance as an industry leader to influence decision-making at the executive level.
• Own Onboarding across consumer KYC, including identity matching, document verification, liveness/selfie flows, and watchlist screening.
• Develop models and policy for synthetic identity and bot detection and mitigation at the point of application.
• Design step-up verification and govern thresholds for onboarding friction for consumers in PayPal and Venmo.
• Establish 1st party abuse and scam frameworks to mitigate loss severity and limitations, including early lifecycle monitoring for new accounts and portfolio management.
• Implement account takeover detection, including login anomaly scoring, credential stuffing defense, and session behavioral biometrics.
• Define MFA and authentication strategy, focusing on enrollment rates, SIM swap detection, and passkey/FIDO roadmap.
• Implement account change controls, including cool-down windows and re-authentication gates for high-sensitivity field changes.
• Develop and manage compromised consumer account response playbooks (freeze, notify, restore, loss recovery).

Requirements

• 12+ years relevant experience.
• Bachelor’s degree OR equivalent combination of education and experience.
• 12+ years in financial services fraud, identity, or trust and safety.
• At least 5 years in a senior leadership role.
• Deep experience operating KYC programs to mitigate stolen identity and bots at scale, ideally within a regulated financial institution or large payments platform.
• Hands-on experience with identity proofing technology (document verification vendors, biometric liveness, knowledge-based authentication).
• Demonstrated ability to build and lead strategy teams.
• Ability to provide feedback and directions to detection science teams.
• Experience managing the tension between onboarding friction and conversion.
• Fluency in false positive cost measurement.
• Experience working with Product and Engineering organizations to build out fraud risk systems and implement fraudulent strategies to manage user profiles.
• Familiarity with account takeover threat vectors including credential stuffing, SIM swapping, and session hijacking.
• Preferred background in financial institution (bank and wallet), large-scale consumer identity platform, or trust and safety at a major technology company.
• Regulatory experience with OCC or CFPB examination processes is a strong plus.

Skills

• Risk management strategy development
• Stakeholder collaboration
• Team leadership
• Risk exposure monitoring
• Compliance assurance
• Reputation safeguarding
• KYC program operation
• Identity matching
• Document verification
• Biometric liveness
• Watchlist screening
• Synthetic identity detection
• Bot detection
• Step-up verification design
• Onboarding friction management
• 1st party abuse and scam framework development
• Account takeover detection
• Login anomaly scoring
• Credential stuffing defense
• Session behavioral biometrics
• MFA and authentication strategy
• SIM swap detection
• Passkey/FIDO roadmap
• Account change controls
• Compromised account response playbook development
• Fraud detection
• Identity management
• Trust and safety
• Knowledge-based authentication
• Strategy team building
• Product and Engineering collaboration
• Fraud risk systems development
• User profile management
• Regulatory compliance (OCC, CFPB)

Location

• New York City, New York
• San Jose, California
• Chicago, Illinois

Work Type

• Full-time
• Hybrid (3 days in office, 2 days office/home)
• No travel

Experience Level

• 12+ years relevant experience
• 12+ years in financial services fraud, identity, or trust and safety
• At least 5 years in a senior leadership role

Education Level

• Bachelor’s degree
• Equivalent combination of education and experience

Salary/Compensations

• New York City, New York: $218,000.00 - $323,950.00 Annually
• San Jose, California: $218,000.00 - $323,950.00 Annually
• Chicago, Illinois: $198,000.00 - $294,250.00 Annually
• Additional compensation may include an annual performance bonus, equity, or other incentive compensation.

Benefits

• Comprehensive, choice-based programs for personal wellbeing (physical, emotional, financial)
• Flexible, balanced work culture
• Generous paid time off
• Healthcare coverage for employee and family
• Resources for financial security
• Resources to support mental health

About the Company

• PayPal has revolutionized global commerce for over 25 years, creating innovative experiences for moving money, selling, and shopping that are simple, personalized, and secure.
• Empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.
• Operates a global, two-sided network connecting hundreds of millions of merchants and consumers.
• Provides proprietary payment solutions and an end-to-end payments solution for merchants, including authorization, settlement, and instant access to funds.
• Enables safer fund exchange with merchants using various funding sources (bank account, PayPal/Venmo balance, credit products, cards, cryptocurrencies, gift cards, credit card rewards).
• Facilitates safer and simpler fund transfers between friends and family via PayPal, Venmo, and Xoom products.
• Helps merchants connect with customers, process exchanges and returns, and manage risk.
• Enables consumers to engage in cross-border shopping and merchants to extend global reach, reducing complexity and friction.
• Guided by core values: Inclusion, Innovation, Collaboration, and Wellness.
• Committed to building an equitable and inclusive global economy and fostering a workplace where everyone can do their best work with purpose and belonging.
• Proud of a diverse workforce reflective of the merchants, consumers, and communities served.

Equal Opportunity

• 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.
• PayPal provides reasonable accommodations for qualified individuals with disabilities.
• Contact paypalglobaltalentacquisition@paypal.com for application assistance due to incompatible assistive technology or disability.
• Strives to create an environment where everyone can do their best work with a sense of purpose and belonging, fostering a workplace with acceptance, security, inclusion, and value for all employees.
• Takes tangible actions to cultivate inclusivity and belonging at PayPal.