Senior Analyst, Financial Crime Advisory

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 Summary:

PPUK seeks an experienced financial crime risk and advisory specialist to support the MLRO and Financial Crime Compliance function in overseeing and enhancing the firm's financial crime framework. The role leads key initiatives, provides advisory support, and undertakes quality assurance of controls. The candidate will assess financial crime risks across customers, products and the entity, translate regulatory requirements into policy, and drive improvements in controls, procedures and governance.

Essential Experience
Drafting and implementing financial crime policies
Providing advisory support to first line teams on higher-risk customers, products and new initiatives
Conducting risk assessments at customer, product and entity level
Performing quality assurance on customer files, assessing policy adherence and risk assessment completeness
Strong analytical skills to interpret data sets, MI, KRIs and KPIs
Producing written outputs for senior management and governance forums

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.
• 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

Minimum Qualifications:

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

Essential responsibilities

• Provide financial crime advisory support to FLOD stakeholders on complex customers, products, transactions and initiatives, ensuring risks are clearly articulated and appropriately mitigated in line with policy and risk appetite
• Lead and contribute to financial crime change and remediation projects (e.g. enhancements to control design, processes, and systems), including requirements definition, impact assessment and implementation support
• Perform and/or coordinate financial crime risk assessments at customer, product and entity level, incorporating regulatory expectations, typologies and internal risk appetite, and feeding outcomes into governance and decision‑making
• Draft, review and update financial crime policies and advise on procedural requirements, ensuring they remain current, clear and aligned to applicable regulations
• Undertake quality assurance and provide second line challenge and oversight of customer onboarding reviews conducted by first line operations teams, reviewing case quality, rationale, and escalation decisions
• Prepare concise, well‑structured documentation and reports for senior management and governance forums, covering key project updates, clearly summarising items requiring decision, and highlighting insights from ongoing KRI and KPI monitoring
• Monitor emerging financial crime risks, typologies and regulatory developments, translating them into practical recommendations for control and policy enhancements
• Build strong relationships with FLOD, Operations, Product, Legal and other stakeholders to promote consistent understanding and application of financial crime requirements and to support effective implementation of change

 

Essential experience

• Comfortable working independently across a broad range of subjects, managing multiple priorities, and engaging with diverse stakeholders while maintaining strong attention to detail and sound judgement
• Demonstrable experience of leading and supporting change activities, including customer remediation, drafting and updating financial crime policies and working with stakeholders to implement them effectively across the business
• Experience performing quality assurance reviews of customer files, assessing the completeness and accuracy of KYC information, risk assessments and due diligence, and providing clear feedback to improve standards
• Experience providing financial crime advisory support to first line teams (e.g. on higher‑risk customers, products, or new initiatives) and translating regulatory requirements into practical guidance
• Experience conducting financial crime risk assessments at customer, product or entity level, and using the outcomes to inform controls, policies or risk appetite decisions
• Strong analytical skills with the ability to interpret and draw insights from large data sets, MI, KRIs and KPIs to identify themes, issues and opportunities for control improvement
• Proven ability to produce clear, structured written outputs for senior audiences (e.g. risk papers, committee packs, investigation summaries or remediation updates)

Subsidiary:

PayPal

Travel Percent:

0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes.  Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.  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 comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

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 paypalglobaltalentacquisition@paypal.com.  

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.