Compliance Sr. Manager, Credit Products

Pay Pal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, Pay Pal 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. Pay Pal is more than a connection to third-party payment networks; we provide proprietary payment solutions that enable the completion of payments on our platform on behalf of our customers.

This role will serve as the Business Unit Compliance Officer for the Consumer Credit organization, responsible for 2nd line compliance advisory and oversight globally. It supports business initiatives related to Pay Pal Buy Now Pay Later (BNPL) products, applying knowledge of Federal requirements such as FCRA, ECOA, Reg Z, Reg B, and UDAAP to provide compliance advisory support and oversight of core aspects of our Compliance program.

• 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.

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

• Act as the Compliance point of contact for the Consumer Credit organization, supporting cross‑functional stakeholders across Global Risk Management, Compliance, Legal, and Product.
• Work directly with Product and senior leadership to provide coordinated advisory services and support business initiatives on behalf of Global Compliance.
• Foster close relationships across cross‑functional stakeholders and collaborate to enable compliant and customer‑centric solutions within the Consumer and Product leadership team.
• Define compliance requirements and ensure they are understood by stakeholders and integrated into product development life cycles and roadmaps.
• Provide subject matter expertise in identifying, assessing, prioritizing, and managing compliance risk, including issue and incident management, risk assessment, regulatory change management, and complaints monitoring.
• Partner with the business to identify and develop process and control improvements.
• Collaborate with the team to assess compliance risks associated with new products and services.
• Support intake and review of product initiatives, including new products, enhancements, regional expansion, and deprecation, ensuring risk identification and mitigation and regulatory compliance.
• Support ongoing compliance monitoring and testing by regulators, internal audit, and first‑ and second‑line testers.
• Identify and influence action across potential areas of increased compliance risk, propose solutions, and provide guidance to avoid similar issues.
• Provide regular updates and presentations to senior leadership on emerging risks, trends, and regulatory changes impacting products, services, and markets.
• Escalate timely and actionable information to key stakeholders.

• Experience in compliance for financial services, banking, or payment systems, supporting business partners through product/process development stages.
• Experience in compliance for credit and Buy Now Pay Later products preferred, with product‑specific compliance advisory support.
• Excellent ability to analyze risks in complex business processes and recommend requirements and controls to mitigate those risks.
• Demonstrated ability to build and maintain stakeholder relationships, with strengths in influencing, conflict management, and negotiation.
• Extensive experience partnering with senior business clients in a…