Sr Analyst, Risk Management

Sr Analyst, Risk Management at PayPal

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, helping them connect, transact, and complete payments, whether online or in person.

We provide proprietary payment solutions accepted by merchants, enabling payments on our platform. Our customers enjoy the flexibility to use their accounts for purchases, receive payments for goods and services, and transfer/withdraw funds. We enable safer fund exchanges with merchants using various funding sources, including bank accounts, PayPal/Venmo balances, credit products, cards, cryptocurrencies, or stored value products. PayPal, Venmo, and Xoom also facilitate safer fund transfers between friends and family. For merchants, we offer an end-to-end payments solution with authorization, settlement capabilities, instant access to funds, and payouts. We also assist merchants with customer connections, exchanges, returns, and risk management, reducing complexity in cross-border trade.

Our core values – Inclusion, Innovation, Collaboration, and Wellness – guide our daily business, ensuring we work as one global team with customers at the center, and prioritize self-care, mutual support, and community engagement.

Role Summary

The Sr Analyst, Risk Management collaborates internally to influence the quality and effectiveness of risk management processes. This role involves analyzing and assessing risks, providing informed recommendations for mitigation strategies, and engaging with stakeholders to communicate risk assessments and proposed solutions.

Key Responsibilities

• Collaborate internally to influence the quality and effectiveness of risk management processes.
• Analyze and assess risks to provide informed recommendations for mitigation strategies.
• Work outside defined processes to determine appropriate actions in complex situations.
• Serve as a subject matter resource for entry-level and developing colleagues on risk management practices and strategies.
• Engage with stakeholders to communicate risk assessments and proposed solutions.

Minimum Qualifications

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

Additional Responsibilities & Preferred Qualifications

Additional Responsibilities

• Lead cross-functional efforts in playbook development, integrating legal, compliance, and risk requirements for specialized verticals; ensure processes support regulatory and business enablement priorities.
• Develop, maintain, and socialize playbooks for executive diligence, underwriting reviews, onboarding procedures, and ongoing monitoring in new and evolving verticals.
• Analyze business trends, sales pipeline, and merchant requirements to update playbooks and other sales enablement guides to ensure guidance reflects market, legal, and reputational risk factors.
• Support Holistic Onboarding & Underwriting operational team with Seller Risk requests and questions via Query Tool and weekly office hour sessions with multiple regional teams.
• Coordinate workforce plan forecasting for our Holistic Onboarding & Underwriting operational team by leading efforts to collect inputs from various teams and reviewing final output for executive leaders.
• Leverage existing operational and asset quality metrics to drive data-based decision making, incorporating metrics into daily discussions, presentations and business enablement materials.
• Support the implementation of AI-enabled diligence tools, merchant portal enhancements, and dynamic review systems, aligning with program standards and digital adoption requirements.
• Partner with Sales and Merchant Experience teams to support new merchant onboarding and portfolio expansion in higher-risk categories; provide training and guidance to ensure acceptance and compliance.
• Document decisions, findings, and processes to maintain clear audit trails and ensure continuous process improvement.

Preferred Qualifications

• Direct experience developing business enablement playbooks, conducting diligence, and leading regulated risk assessments in a large financial institution.
• Exceptional written and oral communication; demonstrable experience presenting to executives, cross-functional partners and external vendors.
• Strong project management, problem-solving, and influencing skills across multiple disciplines and geographies.
• Proven agility and independence in managing competing priorities, complex requirements, and time-sensitive deliverables in a dynamic environment.
• Experience implementing digital solutions, AI-enabled risk assessment systems, and process improvement initiatives.

Compensation & Benefits

The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role in Omaha, Nebraska is $84,500.00 - $121,000.00 Annually. Additional locations like Austin, Texas ($89,000.00 - $127,600.00 Annually) and Scottsdale, Arizona ($84,500.00 - $121,000.00 Annually) also have competitive ranges. Additional compensation may include an annual performance bonus, equity, or other incentive compensation.

PayPal is committed to building an equitable and inclusive global economy and offers comprehensive benefits to support financial, physical, and mental health, including a flexible work environment, employee share options, and health and life insurance.

Work Environment

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.

Diversity & 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. PayPal also provides reasonable accommodations for qualified individuals with disabilities. We strive to create an environment where everyone can do their best work with a sense of purpose and belonging, reflected in our diverse workforce. We encourage applications even if you don’t meet every qualification.

Key skills/competency

• Risk Management
• Risk Assessment
• Stakeholder Engagement
• Process Improvement
• Playbook Development
• Compliance
• Underwriting
• Project Management
• Data Analysis
• Digital Transformation