Analyst, 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 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:

This job investigates customer activity across multiple platforms to ensure that it falls within acceptable parameters established by governing bodies including, but not limited to, the Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control (OFAC). Your efforts will be in accordance with PayPal’s Ethics and Compliance Standards, and obligations to the appropriate regulations. You will be tasked with ensuring that PayPal implements the appropriate monitoring and controls of customer activity to ensure that PayPal is satisfying its obligations to the appropriate regulatory authorities. You will 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.

Job Description:

Essential Responsibilities:

• Utilize advanced analytical techniques to assess complex information sets, enabling the formulation of logical and well-supported recommendations for reporting to global regulatory bodies and internal stakeholders. These investigative decisions are essential to fulfilling PayPal’s fiduciary responsibilities under international regulations, which mandate effective monitoring of customer activities to detect and report suspicious activities, including money laundering and terrorist financing.
• Conduct comprehensive end-to-end reviews of potential illegal or suspicious activities, ensuring thoroughness and accuracy in all investigations.
• Perform timely and detailed analyses of instances of potential Anti-Money Laundering (AML) activities and suspicious financial transactions across diverse jurisdictions and countries, adhering to local and international compliance standards.
• Evaluate customer profiles and analyze large datasets to confirm that activities align with expected norms, ensuring compliance with Acceptable Use Policies and Know Your Customer (KYC) regulations.
• Leverage both internal data and various open-source research platforms to investigate potentially illicit activities, thereby supporting informed investigative decisions
• Document findings in a narrative format within both manual and automated case management systems and prepare comprehensive reports for management as required.
• Consistently exercise sound judgment in making decisions and recommendations related to case investigations, ensuring alignment with global best practices and regulatory requirements.

Minimum Qualifications:

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

Job Requirements:
 

•A Bachelor’s degree is preferred in Business, Finance, Legal, Criminal Justice or a comparable field;

•Minimum of 1 years’ experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigation or verifications;

•Ability to break down complex concepts/data and articulate in writing a clear, concise, chronological and complete narrative elaborating the critical findings;

•Proficiency with Microsoft Excel including the ability to use sorting, pivot tables, formulas, conditional formatting, etc. to analyze large amounts of data in order to identify and factually support investigative findings;

•Excellent command of the English language, especially the rules of syntax, punctuation and grammar;

•Excellent research and analytical skills;

•Excellent time management and dependability to meet productivity targets;

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

•Ability to review potentially sensitive and/or offensive material with the ability to make impartial decisions related to that material;

•Ability to understand opposing points of view on highly complex issues and support a risk-based decision based on the facts present;

•Interact with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents in order to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition;

•Ability to receive continuous critical feedback and implement in future casework;

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

Competencies:
 

•Drive for Results

•Collaboration

•Decision Making

•Problem Solving

•Tenacity

Written Communications

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 co