Director, Payments Enterprise Risk Management

Director, Payments Enterprise Risk Management Apply (by clicking the relevant button) after checking through all the related job information below. 1 day ago Be among the first 25 applicants Get AI-powered advice on this job and more exclusive features. 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 Description Summary PayPal’s mission is to democratize financial services by enabling people and businesses to join and thrive in the global economy. Our Enterprise Risk Management (ERM) team safeguards the payments ecosystem by proactively identifying, mitigating, and overseeing risks across operational resilience, fraud, credit, liquidity, and payment controls. As the Director, Payments Enterprise Risk Management, you will play a critical leadership role in overseeing risks tied to payment network operations, transaction flows, and financial exposures. You will design and drive an enterprise‑wide risk strategy that ensures operational excellence, fraud prevention, regulatory compliance, and long‑term resilience of PayPal’s global payments ecosystem. Essential Responsibilities Establish overall business or technical strategy for risk management with significant impact on operations. Influence executive‑level decision‑making through strategic risk assessments and recommendations. Partner with stakeholders to implement strategies that reduce or transfer identified risks. Monitor and analyze risk exposure to ensure alignment with organizational objectives. Lead initiatives that contribute to long‑term sustainability and resilience in the face of uncertainty. Key Responsibilities Risk Strategy & Governance Design and execute PayPal’s enterprise‑wide payments risk strategy as part of the second line of defense across fraud, credit, liquidity, and operational risk. Establish frameworks for risk assessment, prioritization, and control design, aligning strategies across business functions and geographies. Lead operational risk committees and contribute to senior leadership forums, providing regular insights and recommendations to executives and the board. Holistic Payments Risk Oversight Oversee end‑to‑end risk assessments of payment operations, including reconciliation, ledger integrity, settlement, and exception management. Lead efforts to mitigate risks tied to network processing, infrastructure failures, payment fraud, anomalies, processing errors, and vendor exposures. Identify, monitor, and report key risk indicators (KRIs) and operational loss events; ensure effective remediation and prevention plans. Operational Resilience & Controls Develop and enhance operational controls to strengthen payment processing integrity, scalability, and fraud defenses. Oversee risk modeling initiatives to proactively identify vulnerabilities in transaction networks and implement practical responses. Lead incident management, including escalation, investigation, root cause analysis, containment, and remediation. Partner with business, technology, compliance, and governance teams to implement process enhancements that improve resilience. Partnership & Collaboration Build strong relationships with payment networks, regulators, financial institutions, and processing partners to strengthen trust and reduce ecosystem‑wide risks. Partner with fraud, compliance, credit, liquidity, product, engineering, treasury, legal, and other teams to ensure comprehensive risk coverage. Provide strategic risk guidance on new payment products, projects, and technology deployments. Leadership & Culture Inspire and mentor diverse talent within risk and payments teams, fostering collaboration, innovation, and accountability. Act as a thought leader in advancing PayPal’s capabilities in payments risk, operational resilience, fraud management, and governance. Minimum Qualifications Bachelor’s degree in business, finance, or related field; advanced degree preferred. 12–15+ years of experience in payments, operational risk, fraud prevention, enterprise risk management, or financial regulation. In‑depth expertise in payment systems, settlement processes, and risk frameworks (SOX, COSO, or equivalent). Proven track record of success in complex financial or fintech environments. Preferred Qualifications Experience with high‑volume, high‑value payment networks in a fintech, payments processor, or financial institution. Strong technical acumen for collaborating with engineering and risk teams on tools, models, and algorithms. Familiarity with global payment requirements, fraud trends, regulatory standards, and compliance practices. Exceptional leadership, communication, and executive influencing skills. Demonstrated ability to build cross‑functional and external partnerships. 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 more information, visit The U.S. national annual pay range for this role is $152,500 to $262,350. 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 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 the choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations. Benefits We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit Who We Are To learn more about our culture and community visit 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. REQ ID R0131141#J-18808-Ljbffr