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About the Role

This executive will lead systems and policies for user authentication, fraud prevention, and account security, maintaining a customer-centric focus.

Responsibilities

• Oversee onboarding processes for consumers and SMBs, including authentication profile matching, document verification, liveness/selfie flows, and watchlist screening.
• Develop and implement synthetic authentication profile and bot detection and mitigation strategies.
• Design step-up verification processes and manage threshold governance for onboarding.
• Establish a 1st party abuse and scam framework for early lifecycle monitoring and portfolio management.
• Implement account takeover detection mechanisms, including login anomaly scoring and credential stuffing defense.
• Manage MFA and authentication strategy, including enrollment rates, SIM swap detection, and passkey/FIDO roadmap.
• Control account changes through cool-down windows and re-authentication gates.
• Develop and execute a compromised account response playbook.
• Lead detection science teams working on behavioral and ML-based models.
• Collaborate with Product and Engineering to build fraud risk systems.
• Manage the balance between onboarding friction and conversion, measuring false positive costs.
• Stay familiar with account takeover threat vectors like credential stuffing, SIM swapping, and session hijacking.

Requirements

• 15+ years in financial services fraud, or trust and safety, with at least 5 years in a senior leadership role.
• Deep experience operating KYC/KYB programs at scale, ideally within a regulated financial institution or large payments platform.
• Hands-on experience with authentication profile proofing technology, including document verification vendors, biometric liveness, and knowledge-based authentication.
• Demonstrated ability to build and lead detection science teams working on behavioral and ML-based models.
• Experience working with Product and Engineering organizations to build out fraud risk systems.
• Experience managing the tension between onboarding friction and conversion.
• Familiarity with account takeover threat vectors including credential stuffing, SIM swapping, and session hijacking.
• Experience in a financial institution (bank, wallet, or card network), large-scale consumer authentication profile platform, or trust and safety at a major technology company is preferred.
• Regulatory experience with OCC or CFPB examination processes is a strong plus.

Skills

• Fraud detection
• Trust and Safety
• Authentication
• Account Security
• KYC/KYB
• Document Verification
• Biometric Liveness
• Knowledge-Based Authentication
• Behavioral Models
• Machine Learning Models
• Risk Management
• Onboarding Friction
• Conversion Optimization
• Credential Stuffing Defense
• SIM Swap Detection
• Passkey/FIDO
• Account Takeover Detection

Location

• New York City, New York

Work Type

• Hybrid

Experience Level

• Senior Leadership
• 15+ years

Salary/Compensations

• $250,000.00 - $360,000.00 Annually

Benefits

• Comprehensive, choice-based programs supporting physical, emotional, and financial wellbeing.
• Generous paid time off.
• Healthcare coverage for you and your family.
• Resources to create financial security.
• Support for mental health.

About 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.
• We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers.
• Our core values are Inclusion, Innovation, Collaboration, and Wellness.
• We are committed to building an equitable and inclusive global economy.
• We strive to create a flexible, balanced work culture with a holistic approach to benefits.
• We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve.

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 will provide reasonable accommodations for qualified individuals with disabilities.