Manager, Compliance - Escheatment & Open Banking

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. Minimum Qualifications 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Enterprise Escheatment Program Leadership Support the continued development and maturation of PayPal’s enterprise-wide Escheatment (Unclaimed Property) compliance framework within a SLOD governance model. Enhance policies, standards, and risk-based controls governing identification, dormancy tracking, due diligence outreach, reporting, and remittance of unclaimed property. Provide independent oversight and credible challenge of first-line escheatment processes to ensure regulatory alignment and control effectiveness. Conduct risk assessments to identify jurisdictional gaps and recommend remediation strategies. Support regulatory inquiries, audits, VDAs, and remediation initiatives. Deliver executive reporting on escheatment risk exposure and program maturity. Credit Risk, Collections & Servicing Compliance Oversight Provide second-line oversight of collections, recoveries, servicing, and collections expansion initiatives (including new geographies, products, or third-party models). Assess compliance risks related to credit bureau furnishing and dispute management under FCRA. Provide independent oversight, regulatory guidance and credible challenge to ensure business compliance with ECOA/Reg B, TILA/Reg Z, FDCPA, UDAAP, and related consumer protection laws. Review controls governing adverse action notices, billing statements, dispute investigations, periodic disclosures, and credit reporting accuracy. Evaluate regulatory considerations associated with minor accounts and youth-related financial products, including age-based eligibility, disclosures, and reporting impacts. Conduct risk-based compliance assessments across the credit lifecycle, including underwriting, pricing, servicing, automated decisioning, and account management. Open Banking & Consumer Data-Sharing Oversight Provide second-line compliance oversight of Open Banking and consumer-permissioned data-sharing activities across applicable jurisdictions, in coordination with SLOD Privacy and SLOD Cybersecurity. Assess regulatory compliance risks related to consumer data access, consent management, third-party data sharing, API governance, and transparency obligations, leveraging subject matter expertise from Privacy and Cybersecurity partners where appropriate. Partner with Legal, Product, and relevant SLOD functions to interpret evolving Open Banking frameworks (e.g., Section 1033 rulemaking and global data access regimes) and translate requirements into clear compliance control expectations. Review governance structures supporting third-party data access and customer rights (e.g., data portability, revocation of consent), ensuring alignment with established privacy and information security standards. Evaluate first-line monitoring and control frameworks for regulatory sufficiency, while coordinating with SLOD Privacy and Cybersecurity on data protection and security control effectiveness. Prepare executive-level reporting on Open Banking compliance risks, emerging regulatory developments, and cross-functional risk themes. Preferred Qualifications Experience supporting or enhancing an enterprise Escheatment/Unclaimed Property compliance program. Experience with credit bureau reporting and FCRA compliance oversight. Experience supporting Open Banking, API-based financial data sharing, or consumer-permissioned data programs. Familiarity with U.S. Section 1033 requirements and/or global Open Banking regulatory regimes. Experience supporting BNPL, revolving credit, installment lending, or embedded finance products. Experience operating in a global, technology-enabled financial services organization. CRCM or comparable compliance certification. Experience with statistical Fair Lending testing methodologies. Experience overseeing AI/ML models in financial services. Advanced degree in Law, Business, Finance, Risk Management, Data Analytics, or related field. Compensation 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 by location is: Primary Location | Pay Range Chicago, Illinois | ($106,000.00 - $157,300.00 Annually) Additional Location(s) | Pay Range Scottsdale, Arizona | ($100,500.00 - $149,600.00 Annually) Omaha, Nebraska | ($100,500.00 - $149,600.00 Annually) Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable. Benefits At PayPal, we’re committed to building an equitable and inclusive global economy. We offer comprehensive, choice-based programs to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health. Equal Employment Opportunity 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 . #J-18808-Ljbffr PayPal