Compliance Investigations Analyst

The Company

PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal 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. PayPal 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 PayPal or Venmo account balance, PayPal 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 PayPal, 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 Summary:

HELP THE WORLD REIMAGINE THE FUTURE OF MONEY.

Do you have a passion for conducting investigations and analyzing financial activity? Do you want to join a company that will give you industry leading training, cutting edge technology and access to worldwide, world-class customers? Join PayPal’s Global Financial Crimes and Consumer Protection team.

Job Description:

What you need to know about the role:

In this role, you will be responsible for conducting investigations into potential violations of PayPal’s Acceptable Use Policy and related requirements of PayPal’s banking and card network partners. The purpose of the Brand Risk Management program is to help protect the PayPal brand from risk arising from use of the platform for products and services that are illegal, subject to government regulation, restricted under card association regulations or banking partner contracts. As a Brand Risk Management Investigator, you will research, review, and investigate potential Acceptable Use Policy violations, including materials or services that are sexual in nature, firearms, gambling, and pharmaceuticals amongst other violating activities that are detailed in PayPal’s Acceptable Use Policy. This role involves analyzing user activities, gathering insight, and making informed decisions by using multiple resources including PayPal account activity, external activity on any associated websites, customer contact, and other tools.You will make use of multiple resources including PayPal account activity, external activity on any associated websites, eBay activity, customer contact, and other tools, to effectively investigate and resolve violating activities. Brand Risk Management Investigators are subject to material which some may consider of harmful nature offensive in performing the essential job duties of this position. Our businesses cannot grow without effective risk management. Here is your chance to improve our customer experience – and at the same time, free up capital to invest in innovation, growth, and margin expansion. Develop world-class risk strategies that deliver loss targets while keeping focused on the customer.

Meet our Team:

• Our Team’s focus is to ensure our customers are adhering to PayPal’s Acceptable Use Policy and when in violation, preventing further use of the PayPal platform and reporting suspicious activity to the relevant authorities.
• We strive to be best in class investigators, constantly learning and developing our skills through best practice sharing and staying ahead of emerging money laundering trends and other criminal activities.
• We work as a team and collaborate closely with our partners in Global Financial Crimes SAR, Enhanced Due Diligence &  HO&I, Executive Escalations as well as Legal  as well as Global Investigations teams to serve our customers and community by providing a safe and secure financial services platform.
• We encourage self-development, promote great talent and recognize hard work and achievements and provide career growth opportunities.
• We understand each person is different and we praise ourselves in being a diverse and inclusive team, providing support and promoting wellness.

Your way to impact:

• Demonstrating the ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints with all levels of Global Compliance & Ethics leadership
• Interaction with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition
  • Staying current with policy changes and seek ways to enhance current processes and controls

Your Day to Day:

• Conduct thorough investigations into potential violations of the Acceptable Use Policy.
• Applying analytical techniques to complex information sets to make logical and effectively supported decisions and recommendations in relation to the suspicious activity on cases relevant for reporting to various regulators and/or OFAC. recommendations on cases for reporting to the Financial Crimes Enforcement Network (FinCEN) and/or OFAC. Such investigation decisions are critical to PayPal’s fiduciary responsibility under the Bank Secrecy Act (Anti-Money Laundering rules) to effectively monitor customer’s activities about detecting and reporting suspicious activity, including the predicate offences of money laundering and terrorist financing
  • Conducting an end-to-end and meticulous review of potential illegal or suspicious activity
  • Completing a time-sensitive and meticulous analysis of each instance of potential Anti-Money Laundering activity and/or suspicious financial activity across multiple jurisdictions and countries
  • Assessment of customer profiles and large amounts of data to ensure normal and expected activity, including Acceptable Use Policy adherence and Know Your Customer efforts

• Review and analyze user activities, reports, and complaints to identify policy breaches.

• Collaborate with cross-functional teams, including Customer Service, Account Managers, Legal, Suspicious Activity Reporting to ensure comprehensive investigations.
• Prepare detailed investigation reports and when required present findings to management.
• Recommend appropriate actions based on investigation outcomes, including warnings, account suspensions, or terminations.
• Stay updated on industry trends, regulatory changes, and best practices related to acceptable use policies.
• Assist in developing and updating internal policies and procedures to enhance compliance efforts.
• Provide training and guidance to other team members on investigation techniques and policy enforcement.Documenting findings in narrative style format, in the manual and automated process case management system and prepare reports to management as required
• Regularly exercise good judgment and in making decisions or recommendations in relation to case investigations

What you need to bring:

• Bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience
• Minimum of 2 years’ experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigations or verifications
• Exceptional analytical and problem-solving skills, including the ability to evaluate and synthesize multiple data sources to form actionable recommendations.
• Strong written and verbal communication skills, including the ability to present complex findings clearly and effectively to diverse stakeholders.
• Ability to understand opposing points of view on highly complex issues
• Demonstrated ability to collaborate in cross-functional teams and manage competing priorities in high-stakes, fast-paced environments
• High level of professional judgment and discretion in dealing with sensitive and potentially harmful material.
• Drive for results and excellent problem-solving skills
• Experience in directing others and developing direct reports
• Fluency in English

Competencies:  

• Drive for Results  
• Problem Solving  
• Written Communications  

 PayPal is an equal opportunity employer, dedicated to workforce diversity. All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, long-term unemployment or any other characteristic protected by law. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at [email protected]. We will make every effort to respond to your request for disability assistance as soon as possible.  

PayPal will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with PayPal’s legal duty to furnish information. 

Additional Job Description:

Subsidiary:

PayPal

Travel Percent:

0

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

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:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion 

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].  

Belonging at PayPal: 

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.