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:

Do you have a passion for conducting investigations and analyzing financial activity? Do you want to join a company that will give you industry leading training, cutting edge technology and access to worldwide, world-class customers? Join PayPal’s Global Financial Crimes Compliance Investigations Team!

As a PayPal Compliance Investigator, you will be a part of PayPal’s Global Financial Crimes Compliance Investigations organization tasked with ensuring that activity within the PayPal system is compliant with all Anti-Money Laundering regulations, as well as PayPal’s Acceptable Use Policy (AUP). PayPal’s AUP dictates the type of commerce activity that PayPal permits its users to engage in on the company’s platform. You will also assess the risks to PayPal of doing business with merchants in high risk industries, product categories and jurisdictions. You will be expected to be an AML subject matter expert, with specific emphasis on the creation, monitoring, and timely delivery of Suspicious Activity Reports (SAR) to FinCEN. In the preparation of SARs, you will exercise independent judgment and discretion handling highly sensitive casework.

Job Description:

We are hiring for a Japanese bilingual candidate with strong experience in this function.

In this role, you will investigate 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, such as the Bank Secrecy and USA PATRIOT Acts, and the governing authorities.

You will need to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints with all levels of Compliance leadership. You will be expected to interact with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents in order to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition. It will be critical for you to stay current with policy changes and seek ways to enhance current processes and controls.

As a Compliance Investigator, your responsibilities include:

• Applying analytic techniques to complex information sets in order to make logical and effectively supported recommendations on cases, including for reporting to Financial Crimes enforcement Network (FinCEN) and/or OFAC. Such investigation decisions are critical to PayPal’s fiduciary responsibility under the Bank Secrecy Act (Anti-Money Laundering rules) to effectively monitor customer’s activities with regard to detecting and reporting suspicious activity, including the predicate offenses of money laundering and terrorist financing

• Completing a time-sensitive and meticulous analysis of each instance of potential Anti-Money Laundering activity and/or suspicious financial activity across multiple jurisdictions and countries;

• Conducting an end-to-end and meticulous review of potential illegal or suspicious activity;  

• Assessment of customer profiles and large amounts of data to ensure normal and expected activity, including Acceptable Use Policy adherence and Know Your Customer efforts;

• Documenting findings in narrative style format, in the manual and automated process case management system and prepare reports to management as required

• Regularly exercise good judgment and in making decisions or recommendations in relation to case investigations

 

Job Requirements:

• A Bachelor’s degree is preferred in Finance, Legal, Criminal Justice or a comparable field;

• Minimum of 1 years’ experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigation or verifications;

• Proven ability to analyze large amounts of data in order to report critical information;

• Exceptional oral, written and interpersonal communication skills with the ability to communicate complex information accurately, clearly and quickly to all levels;

• Ability to understand opposing points of view on highly complex issues

• Interact with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents in order to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition;

• High level of professionalism, self-motivation and sense of urgency

 

Competencies:

• Drive for Results

• Problem Solving

• Written Communications

Our world-class culture is something we’re proud of.  We’re committed to creating a thriving and inclusive workplace with great benefits including:

Excellent medical and dental benefits that start day one.

Competitive salary.

Savings plans with company match / Employee Stock Purchase Plan.

Generous PTO and sick time policies

Ongoing training, tuition reimbursement and support to help you realize your full career potential.

Community fundraising and volunteer opportunities.

PayPal’s sabbatical program provides four weeks of paid time off after every five years of service.

Active social groups.

Additional Job Description:

Subsidiary:

PayPal

Travel Percent:

0

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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

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 https://www.paypalbenefits.com.

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 talentaccommodations@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.