AML 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

PayPal’s AML Compliance function is seeking an experienced Second Line of Defense AML Compliance professional to support the overall AML program related to Digital Assets/Crypto, which includes policy setting, advisory, licensing, senior management reporting, regulatory engagements, transaction monitoring and name screening rule setting, etc. You will play a key role in directing and steering the AML policy and procedures in alignment with PayPal’s Digital Assets strategy. This position offers exposure to multi-jurisdictional licensing projects, direct engagement with regulators and external advisors, and hands-on experience designing AML compliance frameworks for PayPal’s digital asset business. The ideal candidate would have a strong background in AML compliance, sanctions advisory, and regulatory engagement within the crypto space.

Job Description

Essential Responsibilities

• Identify issues and recommend best practices for risk management within the organization.
• Lead functional projects and programs that enhance risk assessment and mitigation efforts.
• Collaborate with teams to analyze business trends and their implications for risk management.
• Contribute to process improvements that enhance the effectiveness of risk management strategies.
• Provide guidance and support to team members in executing risk management initiatives.

Expected Qualifications

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

Additional Responsibilities & Preferred Qualifications

• 10+ years of experience in AML or Financial Crime Compliance within a bank, financial institution, fintech, or crypto firm.
• Strong understanding of digital assets/crypto-related regulatory frameworks, cross-border payments infrastructure and landscape, including the latest market and regulatory trends.
• Strong knowledge of MAS regulations, especially the Payment Services Act – Digital Payment Token Service, and regulations and relevant Notices and Guidelines.
• Familiarity with crypto and digital asset regulatory frameworks in international markets outside of Singapore will be highly regarded.
• Experience in regulatory engagement and advocacy, including articulating policy positions, responses to regulatory consultations and supporting supervisory interactions, with MAS or comparable international regulators.
• Self-motivated and experience working for a global company, with multi-disciplinary teams, in a fast-paced, change-intensive environment.
• Ability to build and maintain relationships with key stakeholders, including strengths in influencing, conflict management, and negotiation.
• Ability to operate across the compliance risk program and other stakeholders including advisory, monitoring, reporting, and governance.
• Strong analytical, problem-solving, and critical/creative thinking.
• Excellent verbal, written, and presentation skills with experience presenting to Senior Leadership.
• Relevant professional qualifications will be an added advantage.

Subsidiary: PayPal
Travel Percent: 0

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Work Model: 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.