The Company

Pay Pal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, Pay Pal 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. Pay Pal 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 Pay Pal or Venmo account balance, Pay Pal 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 Pay Pal, 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:

What you need to know about the role:
Leads Pay Pal’s AML/KYC product strategy for EU markets, translating EU AMLD, EUDIW, and regulatory expectations into scalable, customer-centric solutions. Owns end-to-end delivery across onboarding, identity verification, and compliance controls. Partners with Compliance, Legal, Risk, Engineering, and regional teams to balance risk, conversion, and speed. Individual contributor role.

Meet our team:
The Regulatory Changes and KYC/AML team executes global compliance obligations across 200+ markets, partnering with Compliance, Legal, Risk, Engineering, Design, and Policy to deliver cohesive, customer-focused solutions.

Your way to impact:
You’ll drive EU regulatory readiness, maintain trust with regulators (e.g., CSSF), and ensure scalable, timely AML/KYC capabilities—reducing risk while improving onboarding conversion and verification outcomes.

Job Description: Essential Responsibilities:

• Drives product strategy with cross-functional stakeholders consistent with the shared vision for the product or enabling platform.
• Plans and implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability.
• Assesses the customer experience and customer needs in product requirements and decision making.
• Sets up data gathering mechanisms relative to the metrics that inform the success of products including usability studies, research and market analysis.
• Leads workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making.
• Oversees product profitability measures, including budget.
• Plans operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews. Interfaces with product and technology leadership as needed.
• Partners with content strategists, data scientists, product designers and user experience researchers.
• Maximizes efficiency in a constantly evolving environment where the process is fluid and creative solutions are the standard.

Minimum Qualifications:

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

Additional Responsibilities & Preferred Qualifications: Your day-to-day:In your day-to-day role, you will….

• Drives product strategy with cross-functional stakeholders, consistent with the shared vision for the product or enabling platform

• Plans and implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability

• Assesses the customer experience and customer needs in product requirements and decision making; sets up data gathering mechanisms, including usability studies, research, and market analysis, to inform product success metrics

• Leads workstreams to include analytics, customer discovery, market research, and competitive analysis to drive data-driven decision-making; oversees product profitability measures, including budget

• Plans operational mechanisms that drive execution and accountability, including Product Reviews, Operating Reviews, and Business Reviews; interfaces with product and technology leadership as needed; partners with content strategists, data scientists, product designers, and UX researchers; maximises efficiency in a constantly evolving environment

What do you need to bring:

• 8+ years relevant experience and a Bachelor’s degree (or equivalent combination of education and experience) in financial services, fintech, or payments — particularly in compliance, KYC/AML, or identity verification product domains

• Proven track record delivering products in regulated environments, including engagement with compliance, legal, or external regulatory stakeholders; familiarity with EU AML regulatory framework, including AMLD5/AMLD6 and the upcoming AMLA Regulation; working knowledge of eIDAS 2.0 / EU Digital Identity Wallet (EUDIW) is a strong plus

• Champions innovative, risk-based KYC approaches — leveraging data, technology, and experimentation — to improve conversion, reduce friction, and enhance risk controls; continuously monitors the competitive landscape to benchmark and design best-in-class KYC and identity verification experiences

• Drives alignment across Legal, Compliance, Policy, Risk, Engineering, Design, and regional leadership to ensure cohesive execution of AML/KYC initiatives; challenges the status quo to introduce scalable, future-ready KYC capabilities while maintaining strong adherence to regulatory expectations

• Communicates complex regulatory and product concepts with clarity, tailoring messaging for senior leadership, regulators, and technical teams; facilitates senior-level business reviews, regulatory readiness updates, and go-to-market planning for major AML/KYC launches

Subsidiary:

Pay Pal

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, Pay Pal'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 Pay Pal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits:

At Pay Pal, 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

Pay Pal 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, Pay Pal 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 Pay Pal:

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 Pay Pal 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 Pay Pal.

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.