Sr Analyst, Underwriting & Compliance

As a Senior Analyst in the Holistic Onboarding and Underwriting team, your work will directly contribute to protecting the integrity of PayPal’s ecosystem and enabling responsible growth. You'll play a pivotal role in identifying and mitigating risks tied to customer onboarding and underwriting, helping to uphold our commitment to compliance, trust, and security across markets.

In your day-to-day role, your responsibilities include:

• Conduct comprehensive reviews and risk assessments of new and existing customers during onboarding and underwriting.
• Analyze a wide range of data, including business models, credit scores, industry information, and products, to assess merchant financial health and potential risks to PayPal.
• Estimate potential financial exposures and determine the need for risk mitigation measures.
• Perform thorough analyses of high-risk customer segments and potential AML, financial crime, and suspicious activities across multiple jurisdictions.
• Ensure compliance with Acceptable Use Policy, Know Your Customer (KYC) efforts, and Customer Identification Program (CIP) requirements.
• Identify trends and potential risk factors in customer data, ensuring alignment with company policies and regulatory guidelines.
• Apply analytic techniques to complex information sets to make logical and supported recommendations.
• Exercise good judgment in making decisions or recommendations related to case investigations.
• Document findings in narrative format within the case management system and prepare reports for management.
• Ensure high-quality reviews and maintain performance in the Quality Control Program.
• Communicate risk insights and recommendations professionally and effectively with cross-functional stakeholders.
• Evaluate and provide feedback on data, tools, processes, and assessment methodologies for continuous improvement.
• Support reviews conducted in different languages including Mandarin.

What do you need to bring

• A Bachelor’s degree in Finance, Economics, Legal, Criminal Justice, Business Administration, Accounting, or a comparable field, or equivalent work experience.
• Minimum 3+ years of relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting, valuation, or investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.
• Proven ability to analyze large amounts of data 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 work efficiently with an attention to detail in investigations, analysis, and writing.
• Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
• Ability to directly communicate with internal and external stakeholders professionally and effectively.
• Proficient (both written and spoken) in English and Mandarin.
• Knowledge of SQL is required.
• High level of professionalism, self-motivation, and sense of urgency.

As a Senior Analyst in the Holistic Onboarding and Underwriting team, your work will directly contribute to protecting the integrity of PayPal’s ecosystem and enabling responsible growth. You'll play a pivotal role in identifying and mitigating risks tied to customer onboarding and underwriting, helping to uphold our commitment to compliance, trust, and security across markets.

In your day-to-day role, your responsibilities include:

• Conduct comprehensive reviews and risk assessments of new and existing customers during onboarding and underwriting.
• Analyze a wide range of data, including business models, credit scores, industry information, and products, to assess merchant financial health and potential risks to PayPal.
• Estimate potential financial exposures and determine the need for risk mitigation measures.
• Perform thorough analyses of high-risk customer segments and potential AML, financial crime, and suspicious activities across multiple jurisdictions.
• Ensure compliance with Acceptable Use Policy, Know Your Customer (KYC) efforts, and Customer Identification Program (CIP) requirements.
• Identify trends and potential risk factors in customer data, ensuring alignment with company policies and regulatory guidelines.
• Apply analytic techniques to complex information sets to make logical and supported recommendations.
• Exercise good judgment in making decisions or recommendations related to case investigations.
• Document findings in narrative format within the case management system and prepare reports for management.
• Ensure high-quality reviews and maintain performance in the Quality Control Program.
• Communicate risk insights and recommendations professionally and effectively with cross-functional stakeholders.
• Evaluate and provide feedback on data, tools, processes, and assessment methodologies for continuous improvement.
• Support reviews conducted in different languages including Mandarin.

What do you need to bring

• A Bachelor’s degree in Finance, Economics, Legal, Criminal Justice, Business Administration, Accounting, or a comparable field, or equivalent work experience.
• Minimum 3+ years of relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting, valuation, or investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.
• Proven ability to analyze large amounts of data 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 work efficiently with an attention to detail in investigations, analysis, and writing.
• Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
• Ability to directly communicate with internal and external stakeholders professionally and effectively.
• Proficient (both written and spoken) in English and Mandarin.
• Knowledge of SQL is required.
• High level of professionalism, self-motivation, and sense of urgency.