Business Risk & Operations Analyst – Payment Services

PayPal • San Jose, CA

1d • $58,500 - $91,850 • Hybrid

About The Position

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. We are looking for a Business Risk & Operations Analyst to join our Payment Services team who is a highly organized go-getter, detail-oriented, enthusiastic about learning payments and motivated to make a positive impact on our business in our ever-changing environment. Our Payment Services team is the backbone of PayPal that supports money movement in and out of PayPal. The Enterprise product risk and operations team acts as a central leadership team within our merchant product domain, supporting numerous critical workstreams. The team is relied upon to manage the overall risk environment of the products, own operational processes specific to our products and spearhead critical operational processes and risk remediation projects.

Requirements

• 1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
• Be someone who enjoys identifying, explaining and solving problems
• Detail-oriented, with attention to meeting documentation-based timelines
• Strategic thinker who understands what they are doing and why they are doing it and can envision how it can be modified to increase efficiency
• Intellectual curiosity and willingness to learn the payments ecosystem and the facets of our products and processes
• Analytical thinker who can work comfortably on data analysis and other internal tooling to determine the quantitative impact of potential issues or operational improvements

Responsibilities

• Prioritize and analyze internal and external escalations to prevent future escalations.
• Provide feedback regarding necessary changes and updates including policies, upgrades, and potential workflow changes.
• Function as Subject Matter Expert, partnering with key stakeholders for educating, training, coaching, and enhancing risk/detections.
• Report trends, make recommendations, and escalate issues/concerns appropriately to enhance the program.
• Contribute to business improvements e.g., MBR, DSA/ Internal service level, routing analysis, contact reduction etc.
• Develop robust monthly insights for team members and the leadership team.
• Run business and self-identified projects.
• Support complex consumer and merchant issues or escalations engaging appropriate stakeholders focused on resolution.
• Administer the product launch review process
• Provide post product launch support to product, legal and compliance stakeholders
• Maintenance of Governance, Risk, Compliance (GRC) tool data for areas of responsibility
• Support the risk assessment process by identifying inherent risks and mitigating controls identified for new or changed products not yet live
• Lead risk acceptance process to document and obtain approvals to accept inherent risks identified for new or changed products not yet live
• Lead training on the product launch review process for product and project managers
• Lead and/or support operational processes specific to Payment Services

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 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level