Sr Legal Counsel

PayPal Legal Counsel

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 Description

Essential Responsibilities:

• Provide clear, pragmatic, and solution-oriented legal advice to enable business strategy while managing legal risk.
• Participate in complex problem resolution, providing expert legal advice on high-stakes issues and disputes.
• Ensure compliance with relevant laws and regulations.
• Partner with business counterparts across the enterprise to help drive the delivery of effective legal services.
• Manage legal risks and safeguard PayPal's legal interests, developing comprehensive risk management frameworks.
• Escalate complex issues to senior legal leadership where appropriate.

Minimum Qualifications:

• 8+ years relevant experience and a Juris doctorate degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications :

Additional Responsibilities

• Serve as product and regulatory counsel for new and existing PayPal and Venmo consumer credit products, including BNPL and other emerging credit offerings, both closed and open-end, partnering with Product, Credit Risk, Compliance, Marketing, and Finance from concept through launch and ongoing operation, to include complaints and issue management.
• Advise on product design, disclosures, underwriting and adverse action, servicing, collections, marketing, and customer communications to ensure compliance with federal and state consumer credit laws, including TILA/Reg. Z, ECOA/Reg. B, FCRA/Reg. V, EFTA/Reg. E, UDAAP, GLBA, SCRA/MLA, TCPA, and state lending, licensing, and other emerging product-specific laws.
• Support BNPL expansion through new merchant integrations, platform partnerships, and agentic commerce, including review of sales materials and related commercial and program agreements.
• Support government relations and policy efforts by analyzing newly enacted and proposed laws and regulations, assessing their impact on PayPal and Venmo products, and helping to prepare comment letters, legislative advocacy, and implementation plans.
• Support regulatory exams, inquiries, and audits by federal and state regulators (e.g., CFPB, FTC, and state agencies), and help manage outside counsel.
• Monitor and communicate emerging legal and regulatory developments in consumer credit and fintech, and develop practical guidance, templates, and training for business partners.
• Identify opportunities to use AI-enabled tools to improve legal workflows and speed reviews.

Preferred Qualifications

• Experience as in-house counsel at a fintech, bank, or lender, or at a law firm with a consumer financial services regulatory practice, advising on consumer credit products from design through launch.
• Deep working knowledge of TILA/Reg. Z, FCRA/Reg. V, ECOA/Reg. B, and UDAAP, and state law equivalents, with direct experience in BNPL, installment lending, or other short-term and small-dollar credit products.
• Substantial FCRA expertise, particularly in credit reporting, furnishing, or consumer report use cases.
• Familiarity with state consumer lending and licensing regimes and the evolving state BNPL legislative and regulatory landscape, as well as landscapes governing other emerging consumer credit products; experience with legislative or regulatory advocacy is a plus.
• Experience supporting bank partnership or program-manager models and with regulatory exams and agency engagement (CFPB, FTC, state regulators).
• Experience with commercial partnership and technology agreements, and an interest in emerging areas such as agentic commerce.
• Strong business judgment, with the ability to translate complex legal issues into clear, practical advice for senior business leaders and to balance risk with opportunity.
• Excellent written and verbal communication skills; comfortable managing multiple high-priority projects in a fast-paced, matrixed environment.
• Collaborative, proactive, and curious, with high standards of integrity and discretion.