Compliance Sr. Manager, Credit Products

Company Overview

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 and operates a global, two‑side network that connects hundreds of millions of merchants and consumers. The company offers proprietary payment solutions, banking services, and a range of credit products, including Pay Pal and Venmo branded credit products, and a Buy Now Pay Later (BNPL) service.

This role will serve as the Business Unit Compliance Officer for the Consumer Credit organization, responsible for second‑line compliance advisory and oversight globally. The position supports business initiatives related to Pay Pal Buy Now Pay Later (BNPL) products and requires strong knowledge of applicable Federal regulations such as FCRA, ECOA, Reg Z, Reg B, and UDAAP.

• 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.

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. The role works 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 work collaboratively to enable compliant and customer‑centric solutions.
• Define compliance requirements and ensure they are fully understood by stakeholders and integrated into the product development lifecycle and roadmaps.
• Provide subject matter expertise regarding identifying, assessing, prioritizing, and managing compliance risk, including issue and incident management oversight, risk assessment, regulatory change management, and complaints monitoring.
• Partner with the business to understand needs and assist in identifying and developing process and control improvements.
• Collaborate with team members in the identification and assessment of compliance risks associated with new products and services.
• Support the intake and review of product‑related initiatives, including new products, enhancements, regional expansions, and deprecations to ensure mitigation of all risks and compliance with regulatory requirements.
• Support ongoing and targeted compliance monitoring and testing performed by regulators, internal audit, first‑line testers, and second‑line testers.
• Identify and influence action across potential areas of increased compliance risk, propose solutions, and provide guidance for future avoidance of similar issues.
• Provide regular updates and presentations to senior leadership on emerging risks, trends, and regulatory changes impacting their products, services, and markets.
• Provide input into the development of risk and compliance reviews for senior leadership.
• 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 from ideation to launch.
• Experience in compliance for credit and BNPL products preferred, as well as experience providing 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 relationships with key stakeholders,…