Sr Supervisor, Compliance Investigations

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 and Values
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 Summary: AML Subject Matter Expert
This job is responsible for ensuring that activity within the PayPal system is compliant with Anti-Money Laundering (AML) regulations and guidelines. You will be expected to be an AML Subject Matter Expert, with specific emphasis on High-Risk and Complex Investigations, the creation, monitoring, and timely delivery of SARs (Suspicious Activity Reports) to local regulators. In the preparation of SARs, you will exercise independent judgment and discretion handling highly sensitive casework. In this role, you will investigate customer activity across multiple platforms to ensure that it falls within acceptable parameters established by governing bodies including, but not limited to all relevant FIU (Financial Intelligence Unit).

Job Description: Essential Responsibilities
Applying analytic techniques to complex information sets to make logical and effectively supported recommendations on cases for reporting. 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 regarding detecting and reporting suspicious activity.

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.

Documenting complex findings in a clear 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 multiple complex case investigations.

While other members of the team have a broad mandate when it comes to investigations, this role is specifically focused on High-Risk and complex cases.

Analysis of trends within the use of Crypto on the PayPal platform to find potential methods of abuse and ensure our detections are working properly.

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.

Leveraging internal data as well as various open-source research platforms to investigate potentially illicit activities and support investigative decisions.

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.

Expected Qualifications
Minimum of 5 years of relevant work experience and a Bachelor’s degree or equivalent experience.

Preferred Qualification: Brand Risk Management Investigator
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 need to demonstrate the ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints with all levels of GFC&CP leadership. You may be expected to interact with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents in order to represent reasoning of case disposition.

It will be critical for you to stay current with policy changes and play an active part to enhance existing processes and controls. You will need to be able to effectively communicate and maintain utmost professionalism in your interaction with our customers and partners.

Compliance Investigators will be subject to material, which may be sensitive and/or offensive in performing the essential job duties of this position.

Additional Requirements
A bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience.

Minimum of 3 years’ experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigations or verifications.

Proven ability to analyze large amounts of data to report critical information.

Exceptional oral, written and interpersonal communication skills with the ability to communicate complex information accurately, clearly and quickly to all levels.

Ability to understand opposing points of view on highly complex issues.

Ability to work independently and as part of a team in a fast-paced environment.

High level of professionalism, self-motivation and sense of urgency.

Drive for results and excellent problem-solving skills.

Fluency in English.

Subsidiary and Travel
Subsidiary: PayPal

Travel Percent: 0

Recruitment and Work Model Information
PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit: https://careers.pypl.com/contact-us.

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 and Diversity
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.

Apply here