Risk and Compliance Manager

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 : Delivering on the regulatory requirements for PayPal Australia Pty Ltd, this position is responsible for supporting the second line oversight of the Risk and Compliance Management Program in Australia, driving a data‑driven approach that meets both the PayPal global framework and all local regulatory requirements. Job Description : Meet our team This role reports directly to the Director of Risk and Compliance and is suited to an experienced Manager who demonstrates resilience and sound judgment when navigating complex issues involving a wide range of internal and external stakeholders. With strong negotiation skills and excellent written and verbal communication, you are confident in delivering clear, professional, and actionable advice across all levels of the business. The successful candidate will be responsible for maintaining and enhancing the PayPal Australia’s risk and compliance framework, ensuring the organization meets its regulatory obligations and manages emerging risks effectively. This position offers the chance to contribute to an organization known for its strong values and employee‑centric culture. Your way to impact Champion a proactive risk and compliance culture that supports ethical decision‑making and long‑term resilience. Drive continuous improvement by using data, insights, and lessons learned to uplift policies, controls, and operations. Empower teams through clear, practical guidance and by simplifying complex regulatory requirements into actionable steps. Build strong relationships with regulators and key stakeholders, reinforcing trust and transparency. Your day-to-day In your day-to-day role you will : Develop, maintain, and embed the risk management and compliance frameworks, aligned with regulatory expectations and business needs. Act as a trusted advisor to senior leaders and business units, providing expert guidance on risk and compliance matters. Provide guidance to business partners relating to the development of controls for reviewing new products and features and other business initiatives. Conduct assessments of applicability and impact of new and / or changes to Australian regulations and regulatory guidance. Provide oversight and support to the business in the implementation of regulatory change management initiatives. Provide support for local regulatory interactions, examinations and adhoc requests. Assist in execution of risk assessments and provide effective challenge to the first line of defence. Provide ongoing support of issue management and remediation efforts. Assist with the development of policies, procedures and / or guidelines. Prepare periodic reports summarizing the business units’ risk and control environment for senior management, committee and Board meetings. Collaborate with cross‑functional teams; strive to deliver exceptional and responsive service by providing risk and compliance management expertise in a clear, solution oriented and customer‑focused manner. Support maintenance of risks in line with risk taxonomy, framework and assessment process. Support first line in prioritization of risk mitigation. Escalate timely and actionable information to key stakeholders. Prepare and deliver reports for executive committees, boards etc. Stay abreast of regulatory changes and ensure the business is positioned to respond in a timely and effective manner. What do you need to bring Strong knowledge of global financial institutions, money service business, and / or banking compliance, including sound knowledge of prudential compliance, Governance, licensing and risk and compliance management frameworks. A good understanding of consumer law and regulations is preferred. 5+ years of experience in a large organization including demonstrated leadership in building risk and compliance frameworks. Experience with regulators and the regulatory exam process, ideally for non‑bank financial institutions. Law degree preferred. Ability to communicate complex matters in a simple and clear manner. Ability to take ownership of outcomes and the ability to work with business unit teams to confront issues and drive performance. Skilled at identifying and recommending cost effective solutions and organizing resource allocation. Extensive experience in partnering with and advising business stakeholders, particularly in the context of a rapidly changing environment. Strong problem solving and operational process skills and attention to detail. Excellent ability to analyze regulatory risks in complex business processes and recommend controls to mitigate those risks. Excellent presentation and project management skills with the ability to successfully work multiple issues at one time. High energy and creativity, an entrepreneurial spirit and the desire to work in a growing and changing environment. Ability to work within a matrixed environment, and cross functionally with operations and technology functions. Ability to operate with strong integrity with the ability to handle projects of a sensitive and confidential nature. Strong computer knowledge; excellent MS Word, Excel, Visio, and PowerPoint skills. Preferred Qualification : Subsidiary : PayPal Travel Percent : 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 visithttps : / / 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 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. #J-18808-Ljbffr