Compliance Sr. Manager, Credit Products

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.

We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness.

This role will serve as the Business Unit Compliance Officer for the Consumer Credit organization responsible for 2nd line compliance advisory and oversight globally. This role will support business initiatives and priorities related to Pay Pal Buy Now Pay Later (BNPL) products. A core component of this role includes strong knowledge of applicable Federal requirements such as FCRA, ECOA, Reg Z, Reg B and UDAAP to provide compliance advisory support on new initiatives and oversight of core aspects of our Compliance program such as applicable issues, incidents, and regulatory changes.

This position is responsible for helping enable business priorities with sound compliance management practices and processes.

• 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 relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

This role will serve as the Compliance point of contact for the Consumer Credit organization supporting various cross‑functional stakeholders across Global Risk Management, Compliance, Legal and Product. This role will work directly with Product and cross‑functional senior leadership to provide coordinated advisory services and support of business initiatives and priorities on behalf of Global Compliance.

In this role, you will be a member of the Business Unit Compliance Second Line team tasked with supporting Buy Now Pay Later (BNPL) products.

• Foster close relationships across cross-functional stakeholders and work collaboratively to enable compliant and customer‑centric solutions and experiences within the Consumer and Product leadership team.
• Define compliance requirements and ensure they are fully understood by…