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:

Acting as a Subject Matter Expert (SME), you will complete risk investigations to ensure various financial and fraudulent risks are effectively mitigated and you will be responsible for analyzing and prioritizing internal and external escalations to prevent recurring issues.
Our holistic review process requires that our team have a strong foundation in credit, fraud and compliance risk and you will review and analyse merchant financial documentation.
This role collaborates with key stakeholders to provide training, coaching, and risk detection enhancements.
You will monitor trends, recommend improvements, and escalate concerns as needed to strengthen the program.
Additional responsibilities include contributing to business improvements (e.g., MBR, internal service levels, contact reduction) and developing robust monthly insights for leadership.
The role also involves leading business and self-identified projects to drive operational efficiency.

Job Description:

Essential Responsibilities:

Prioritize and analyze internal and external escalations to prevent future escalations.
Provide feedback regarding necessary changes and updates including policies, upgrades, and potential workflow changes.
Function as Subject Matter Expert, partnering with key stakeholders for educating, training, coaching, and enhancing risk/detections.
Report trends, make recommendations, and escalate issues/concerns appropriately to enhance the program.
Contribute to business improvements e.g., MBR, DSA/ Internal service level, routing analysis, contact reduction etc.
Develop robust monthly insights for team members and the leadership team.
Run business and self-identified projects.
Support complex consumer and merchant issues or escalations engaging appropriate stakeholders focused on resolution.

Minimum Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

2-4 years' experience in risk management, underwriting, dispute resolution and/or card compliance in a CNP/internet merchant-based environment
2+ years in the customer service industry with experience specific to financial services, fraud investigation, credit risk, transaction processing, dispute resolution and/or card compliance
Additional language skills are a plus, with French or German considered a significant advantage.
Strong familiarity with Microsoft Office (Excel, PowerPoint, and Word).
SQL and AI tools are welcomed
Comfortable making decisions with large monetary implications in a fast-paced environment
Exercises judgment on issues of importance
Understanding of financial statements and credit risk associated with merchant processing
Understanding of different business models and their associated risks
Experience working with various batch monitoring & risk management systems
High attention to detail and sustained ability to multi-task
Contributes, ask questions, engages & collaborates with immediate team.

Subsidiary:

PayPal

Travel Percent:

0

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 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.

Analyst, Risk Operations

Job Description