Compliance Senior Manager - Regulatory Watch, Europe

Join Pay Pal Luxembourg's Second Line Of Defense Team

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 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.

Minimum Qualifications:

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

Additional Responsibilities & Preferred Qualifications :

Regulatory Monitoring & Horizon Scanning

• Conduct regulatory monitoring activities for Pay Pal Luxembourg, with a primary focus on EU regulatory framework, CSSF requirements, European banking regulatory developments as well as ECB and SSM requirements and ESMA requirements, ensuring timely identification and assessment of relevant changes.
• Monitor and analyze emerging regulations, ECB supervisory priorities, consultation papers, opinions and other publications, assessing their impact on Pay Pal Luxembourg's business model, operations, products (emoney, P2P money remittance, consumer and merchant credit as well as crypto services), and compliance programs.
• Engage key Risk and Compliance program stakeholders to support business initiatives and ensure that regulatory requirements specific to Luxembourg and EEA markets (as applicable) are clearly understood, appropriately integrated into frameworks and controls, and complied with across all planned business initiatives.

Regulatory Change Management & Advisory

• Lead the end‑to‑end regulatory change management process, including identification, scoping, impact assessment, prioritization, and implementation of regulatory developments affecting Pay Pal Luxembourg and EEA markets (as applicable).
• Provide…