Sr Manager, Compliance - Identity Theft Program Oversight

PayPal•Apply•Published 6 days ago•First seen 5 days ago

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 Manager, Compliance - Identity Theft Program Oversight, will join the Fair & Responsible Practices (FRP) team, supporting the FLOD Global Credit Risk and Collections organization and related compliance programs, focusing on developing the identity theft (Red Flags) prevention oversight program. As part of the SLOD, this role partners with Legal, SLOD stakeholders, FLOD business units, and TLOD Internal Audit to ensure compliance with relevant regulations, consumer protection requirements (e.g., FDCPA, UDAAP) and applicable federal, state, and industry regulations.

This role provides compliance advisory and oversight and supports the implementation of compliance programs, policies, and training for consumer and merchant originations and servicing. It is a senior individual contributor role with no direct reports, requiring independent judgment, cross-functional influence, and support for regulatory exams and issue remediation.

Job Description:

Essential Responsibilities:

Lead complex projects and problem resolution efforts related to risk management.
Collaborate with teams to identify and analyze risks that may impact operations and assets.
Develop and implement strategies for risk mitigation and compliance.
Assess current business trends to inform risk management practices and improvements.
Drive global process improvements through effective project management and stakeholder engagement.

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Preferred Qualifications

Advanced degree or certifications (e.g., CRCM, CAMS, CCEP) preferred.
Demonstrated knowledge of applicable regulations, including:
- Identity Theft Red Flags Rule
- Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA)
- Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
- Consumer Financial Protection Bureau (CFPB) guidance
- Other applicable consumer protection laws.
Proven experience developing and maintaining compliance programs, controls, and monitoring frameworks specific to consumer and/or merchant lending and servicing functions.
Skilled in collaborating across the three lines of defense, including Legal, Operations, Product, and Risk, to develop and implement scalable and sustainable compliance solutions.
Experience supporting third-party oversight or vendor management programs for collections agencies or servicing partners.
High energy and creativity, and the desire to work in a growing and changing environment.
Strong understanding of governance structures, Issue Management, and root cause analysis related to compliance incidents.
Excellent communication and presentation skills, with the ability to clearly explain regulatory expectations and influence cross-functional stakeholders.
Ability to interpret policy and regulatory requirements and apply them in practice.

Additional Responsibilities

Provide second line oversight of the Identity Theft Prevention (Red Flags) Program, including governance, risk assessment, control effectiveness, and ongoing program maintenance.
Partner with First Line of Defense teams to review and challenge controls related to identity theft detection, prevention, response, and escalation across consumer and merchant products.
Assess Red Flags risks associated with new products, process changes, and strategic initiatives, and provide compliance guidance to ensure alignment with regulatory expectations.
Support the design, implementation, and enhancement of policies, procedures, and training related to identity theft prevention and consumer protection requirements.
Collaborate with Legal, Risk, Product, Operations, and Internal Audit to ensure consistent interpretation and application of Red Flags Rule requirements and related regulations.
Support regulatory examinations, internal audits, and issue remediation activities related to identity theft and consumer compliance.
Contribute to governance forums and reporting by summarizing identity theft risk trends, program effectiveness metrics, and key compliance issues for senior leadership.

Monitor and interpret regulatory changes affecting consumer/merchant lending/servicing and communicate actionable guidance and updates to stakeholders across the organization.
Provide regulatory and compliance guidance on all related consumer protection requirements and obligations related to applicable products and services.
Collaborate with FLOD Business Units and SLOD Stakeholders to integrate compliance best practices into daily processes and new initiatives.
Create, update, and deliver compliance policies, procedures, and training to staff and vendors, fostering a risk-aware culture and ethical lending practices.
Support and develop monitoring and testing strategies, and coordinate internal/external audits, regulatory examinations, and responses to compliance inquiries.
Oversee compliance risk assessments, recommend and track remediation plans, and monitor progress in collaboration with business partners.
Prepare reports and presentations for senior leadership summarizing key issues, compliance metrics, audit outcomes, and regulatory trends.

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

Subsidiary:

PayPal

Travel Percent:

The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is:

Primary Location | Pay Range:

Chicago, Illinois | ($130,500.00 - $193,600.00 Annually)

Additional Location(s) | Pay Range:

Austin, Texas | ($130,500.00 - $193,600.00 Annually)
Scottsdale, Arizona | ($123,500.00 - $183,700.00 Annually)
Omaha, Nebraska | ($123,500.00 - $183,700.00 Annually)
Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable. This role is also eligible for a range of benefits which may include, medical, dental, vision, life and disability insurance, parental and family leave, 401(k) savings plan, paid time off, and other benefits. For more information visit https://www.paypalbenefits.com.

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 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.

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.

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.

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