Onboarding Risk Investigator Jobs

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives.

Summary: What you need to know about the role: We are looking for an experienced professional who is comfortable conducting research and investigations related to Financial Crimes (Fraud & Anti-Money Laundering), Customer Enhanced Due Diligence, Credit Risk & Underwriting, and/or Brand Risk Management. Meet our team: As a HO&I Onboarding Risk Investigator, you will be a part of the Global Compliance Investigation organization supporting PayPal’s Compliance & Ethics Standards which ensures that the company remains compliant with Anti-Money Laundering (AML) regulations and guidelines. You will join a team that is continually learning and staying up-to-date on best practices and works collaboratively to ensure that they are mitigating risk to PayPal and its merchants

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In this role, you will engage closely with various stakeholder groups to include PayPal Sales Partners by evaluating the business model and credit risk associated with onboarding and expanding new and current merchant requests. To ensure, we are enabling responsible growth for PayPal you will collaborate with peers across Risk and Compliance teams and others across the organization to support business enablement in high-risk industries.

Your day to day:

• Conduct and complete meticulous and time-sensitive reviews of potential illegal activity thorough analysis of high-risk customer segments, potential Anti-Money Laundering activity, and/or suspicious financial activity across multiple jurisdictions and countries.

• Assess high-risk customer profiles, business model risk, credit exposure risk, and large amounts of data to ensure normal and expected activity on new or existing merchants to determine appropriate course of action.

• Monitor and investigate merchants’ credit card activities, financial, bank, and other processing statements using internal and external risk monitoring tools to assess credit worthiness.

• Apply analytic techniques to complex information sets to make logical and supported recommendations and decision on related case investigations.

• Document and prepare both manual and automated reports and summary recommendations regarding findings, issues, and ways to mitigate risks. Oral reports and presentations to management required as needed.

What do you need to bring

• Professional experience conducting research and investigations related to Financial Crimes (Fraud & Anti-Money Laundering), Customer Enhanced Due Diligence, Credit Risk & Underwriting, or Brand Risk Management.

• Ability to assess and analyze large amounts of data with a high attention to detail and create reports on critical information.

• Communicates complex information accurately and effectively through written and interpersonal communications skills.

• Adept at understanding opposing points of view on highly complex issues and to willingness to integrate different viewpoints.

• Engagement with peers, financial crimes risk professionals, all levels of management, and other internal or external constituents to deliver comprehensive reviews and investigations of cases.

• Knowledge of Federal Regulations(Bank Secrecy and USA PATRIOT Acts), and governing bodies (Financial Crimes Enforcement Network (FinCEN) & the US Department of Treasury’s Office of Foreign Assets Control (OFAC)), licensing requirements and regional laws preferred.

Our Benefits:

At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset—you. That’s why we offer benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com

Who We Are:

To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx

PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit paypal.com.

PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at [email protected].

As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.