Senior Legal Counsel, Credit

19 hours ago

Oregon IL United States PayPal Full time

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.

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.

Job Description Summary:

The Senior Legal Counsel (L27) role is focused on supporting all teams responsible for all US buy now, pay later product offerings. This support includes providing guidance from inception of an initiative through its planning, development, preparedness, and launch, and then carrying through post launch for all aspects of the product lifecycle pre-collections.

Job Description:

PayPal’s innovative technology and approaches to payments, coupled with an increasingly complex and demanding legal and regulatory environment, provide robust career opportunities for attorneys motivated and driven by creative clients and a fast-paced, cutting-edge culture. This role will be focused on supporting all of the teams responsible for buy now, pay later product offerings.

Qualifications and Experience:

  • Significant expertise in legal issues arising in most, if not all, of the following areas: credit and lending, buy now pay later products, financial services, consumer protection, and marketing.
  • Prior experience in state laws governing consumer credit installment products, including licensing related topics.
  • Prior experience in federal laws and regulations such as: EFTA/Reg. E, TILA/Reg. Z, FCRA/Reg. V, FACTA, GLBA/Reg. P, UDAAP, FDCPA, ECOA/Reg. B, SCRA, TCPA, CAN-SPAM, and other laws affecting payments, consumer protection, credit and lending products.
  • Experience dealing with regulatory bodies, regulatory exams, internal and third-party audits.
  • Experience supporting compliance and risk teams.
  • Ability to thrive in a fast-paced environment and to tolerate change and ambiguity.
  • Ability and drive to take ownership of projects and tasks which, in many cases, will be matters of first impression.
  • Openness to adapting practice in response to the changing landscape of the industry.
  • Strong proficiency in working with a team-based approach to subject matter management and knowledge sharing.
  • Creative thinker with strong problem-solving skills and the ability to stay calm and help drive solutions while providing sound legal advice under challenging circumstances.
  • 7 or more years of relevant experience practicing either in-house (or in an equivalent setting) or at a reputable law firm.
  • Juris Doctorate or equivalent degree. Admitted to a state bar and in good standing.
  • Exceptional writing skills, with strong attention to detail and ability to generate creative, original drafted documents, agreements, and disclosures.
  • Outstanding communication skills and ability to work both in teams and independently.
  • Ability to effectively synthesize and explain complex and detailed legal requirements to clients across different levels within the organization.

PayPal is committed to fair and equitable compensation practices. Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience. The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits.

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.

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.

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