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.

Additional Responsibilities & Preferred Qualifications:

Position: Compliance Analyst – Participant Due Diligence (PDD)

Career Level: 5

Location: Guatemala City, Guatemala; Mexico, City.

Job Description Summary

As a PayPal World Compliance Analyst, you will join Global Participant Due Diligence (PDD) team responsible for ensuring that all PayPal’ World ‘s payment Participants undergo proper compliance due diligence process pursuant to all applicable local and international AML laws and regulations. PDD Team is a part Global Financial Crimes organization and is tasked with conducting initial and periodic AML risk assessment of payment Participant based on a qualitative review of compliance information received from these entities, and independent research through various internal and public resources. These Participants include banks, financial and non-financial institutions that have a contractual relationship with PayPal World to directly assist in disbursing transactions and processing payments to individuals and businesses around the world.

As a Compliance Investigator, your goal is collect and review all pertinent Participant due diligence information, as well as understand and assess the risks to PayPal World of doing business with these entities based on a variety of risk factors, including organization type, product categories, jurisdictions served and Participant compliance program, amongst others.

You will be an AML subject matter expert, with specific emphasis on regulatory requirements, governing international payments industry and will ensure that all Participants are appropriately licensed in jurisdictions where they disburse PayPal World’s transactions, have implemented adequate AML compliance program and demonstrate sufficient experience and staff training to administer payments in accordance with applicable laws and regulations. You will be expected to exercise independent judgment and discretion handling highly sensitive and confidential Participant data.

In this role, you will assist Participant Compliance Due Diligence Team on a variety of compliance matters, including Compliance Due Diligence (CDD) of PayPal World’s payment Participants and preparation of critical documents (i.e. Participant due diligence summaries, SLA’s, periodic stakeholder update reports, Risk Assessment Forms, etc.) necessary to comply with PayPal World’s policies and regulatory guidances, such as the Bank Secrecy Act, Financial Crimes Enforcement Network’s (FinCEN) Section 31 CFR 1022.210 and other applicable regulations.

Position Responsibilities:

• Conducting end-to-end meticulous due diligence reviews on potential and existing Participants through complex review and analysis of compliance documents and variety of public and non-public sources.
• Applying analytic techniques to complex information sets to make logical and effectively supported recommendations on appropriate due diligence measures.
• Documenting findings in narrative style format and prepare reports to management as required.
• Responsible for the preparation and periodic maintenance of Participant due diligence files compliance reports and communications.
• Assisting with preparation of periodic stakeholder reporting and SLAs.
• Ensuring that Participant Due Diligence program is maintained up to date and in compliance with all applicable local and global laws and regulations.
• Providing support with periodic Participant due diligence refresh activities.
• Meeting deadlines/SLAs while maintaining quality for multiple concurrent projects. 
• Assisting in performing Participant negative news research, analysis and escalation reports.
• Working cross-functionally with teams within Compliance organization and other business units.
• Managing and periodically updating Participant AML Risk Assessment Model.
• Preparing reports using Excel, PowerPoint and other applicable tools and programs.
• Preparing general reports and dedicated reports for internal and external auditors.
• Handling ad hoc assignments.

Qualifications:

• A Bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience.
• 2+ years of experience in AML Compliance research and analysis or legal/regulatory research.
• Understanding of international AML regulations within the banking/financial services industry.
• Advanced Power Point and Microsoft Excel skills (e.g. high comfort level with consolidating and merging data, imbedding formulas and pivot tables).
• Ability to identify compliance risks and escalate when appropriate.
• Ability to effectively collaborate with internal teams and external Stakeholders located across multiple international time zones.
• Must be a self-starter and be able to act independently.
• Demonstrate ability to handle multiple priorities in a dynamic environment.
• Exhibit strong research, analytical and organizational skills.  
• Ability to work in a self-directed and remote environment
• Exceptional oral, written and interpersonal communication skills with the ability to communicate complex information accurately, clearly and quickly to all levels.
• Proven ability to analyze large amounts of data in order to report critical information
• High level of professionalism, self-motivation and sense of urgency.
• Candidate must be fluent in English plus 2nd Language is preferred (Spanish is the preferred languages).

Competencies:

• Drive for Results
• Research and Analysis
• Written Communication

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.