Head of Consumer Onboarding & Integrity

PayPal • San Jose, CA

3d • $218,000 - $323,950 • 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. Job Summary: This job develops and articulates a clear vision and strategy for risk management, collaborates with stakeholders, inspires and leads teams, monitors risk exposure, and provides industry-leading guidance. It involves ensuring compliance and safeguarding the organization’s reputation. Job Description: Essential Responsibilities: Develop and articulate a clear vision and strategy for risk management aligned with PayPal's overall strategy. Collaborate with stakeholders to assess and mitigate risks impacting operations and assets. Inspire and lead teams to implement long-term sustainability and financial stability strategies. Monitor and evaluate risk exposure to ensure compliance and safeguard the organization’s reputation. Provide key inputs and guidance as an industry leader to influence decision-making at the executive level.

Requirements

• 12+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
• 12+ years in financial services fraud, identity, or trust and safety, with at least 5 years in a senior leadership role
• Deep experience operating KYC programs to mitigate stolen identity and bots at scale, ideally within a regulated financial institution or large payments platform
• Hands-on experience with identity proofing technology — document verification vendors, biometric liveness, knowledge-based authentication
• Demonstrated ability to build and lead strategy teams as well as provide feedback and directions to the detection science teams
• Experience managing the tension between onboarding friction and conversion — fluency in false positive cost measurement
• Experience in working with Product and Engineering organizations to build out fraud risk systems to implement fraudulent strategies to manage user profile
• Familiarity with account takeover threat vectors including credential stuffing, SIM swapping, and session hijacking

Nice To Haves

• Financial institution (bank and wallet), large-scale consumer identity platform, or trust and safety at a major technology company.
• Regulatory experience with OCC or CFPB examination processes is a strong plus.

Responsibilities

• Develop and articulate a clear vision and strategy for risk management aligned with PayPal's overall strategy.
• Collaborate with stakeholders to assess and mitigate risks impacting operations and assets.
• Inspire and lead teams to implement long-term sustainability and financial stability strategies.
• Monitor and evaluate risk exposure to ensure compliance and safeguard the organization’s reputation.
• Provide key inputs and guidance as an industry leader to influence decision-making at the executive level.

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: Director