Sr Analyst, Risk Management

The Company

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 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 Pay Pal or Venmo account balance, Pay Pal 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 Pay Pal, 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:

This job collaborates internally to influence the quality and effectiveness of risk management processes. It involves analyzing and assessing risks, providing informed recommendations for mitigation strategies, and engaging with stakeholders to communicate risk assessments and proposed solutions.

Job Description:

Essential Responsibilities:

* Collaborate internally to influence the quality and effectiveness of risk management processes.

* Analyze and assess risks to provide informed recommendations for mitigation strategies.

* Work outside defined processes to determine appropriate actions in complex situations.

* Serve as a subject matter resource for entry-level and developing colleagues on risk management practices and strategies

* Engage with stakeholders to communicate risk assessments and proposed solutions.

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:

* Lead cross-functional efforts in playbook development, integrating legal, compliance, and risk requirements for specialized verticals; ensure processes support regulatory and business enablement priorities.

* Develop, maintain, and socialize playbooks for executive diligence, underwriting reviews, onboarding procedures, and ongoing monitoring in new and evolving verticals.

* Analyze business trends, sales pipeline, and merchant requirements to update playbooks and other sales enablement guides to ensure guidance reflects market, legal, and reputational risk factors.

* Support Holistic Onboarding & Underwriting operational team with Seller Risk requests and questions via Query Tool and weekly office hour sessions with multiple regional teams.

* Coordinate workforce plan forecasting for our Holistic Onboarding & Underwriting operational team by leading efforts to collect inputs from various teams and reviewing final output for executive leaders

* Leverage existing operational and asset quality metrics to drive data-based decision making, incorporating metrics into daily discussions, presentations and business enablement materials

* Support the implementation of AI-enabled diligence tools, merchant portal enhancements, and dynamic review systems, aligning with program standards and digital adoption requirements.

* Partner with Sales and Merchant Experience teams to support new merchant onboarding and portfolio expansion in higher-risk categories; provide training and guidance to ensure acceptance and compliance.

* Document decisions, findings, and processes to maintain clear audit trails and ensure continuous process improvement.

Preferred Qualifications:

* Direct experience developing business enablement playbooks,…