PayPal Bank Treasurer

PayPal

21h • 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. PayPal Bank Treasurer is responsible for the execution, monitoring, and ongoing management of PayPal Bank’s liquidity, funding, investment, and balance sheet risk activities, operating within Board-approved risk appetite, regulatory requirements, and internal policies. The role supports the Bank Chief Financial Officer and Bank Asset Liability Management Committee (ALCO) by providing rigorous quantitative analysis, disciplined execution, and clear escalation of risks related to liquidity, interest rate risk, funding strategy, and investment portfolio management. PayPal Bank Treasurer plays a critical role in ensuring the Bank’s ability to operate safely and soundly across normal and stressed conditions.

Requirements

• 10+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
• 10+ years of progressive experience in bank treasury, liquidity management, ALM, or balance sheet management, with at least 5 years in a senior or leadership capacity.
• Deep working knowledge of liquidity risk management, interest rate risk, funding strategies, and investment portfolio operations in a regulated bank environment.
• Experience operating within a formal ALCO and Board governance framework.
• Strong understanding of U.S. banking regulatory expectations (FDIC, capital and liquidity guidance).
• Demonstrated ability to operate effectively in stress scenarios and high-visibility decision environments.

Nice To Haves

• Prior experience in a de novo bank, fintech bank, or rapidly scaling institution.
• Experience working with parent-subsidiary funding models or affiliate liquidity arrangements.
• Advanced degree in Finance, Economics, or related field; CFA, FRM, or similar credentials a plus.

Responsibilities

• Ownership of all bank administration functions, including opening, closing, and maintaining bank accounts
• Partnering with internal constituents to identify and address banking issues
• Developing relationships with global banking partners
• Implementing rigor and controls to prevent misappropriation of funds and assets
• Maintaining Treasury Management Systems usage and optimization
• Leading, coaching, and mentoring the GCM Operations and Treasury teams
• Coordinating and influencing transformation opportunities across the Treasury ecosystem
• Managing treasury technology vendors and systems
• Analyzing current treasury technology capabilities and contributing to the roadmap for scale and efficiency
• Supporting treasury technology risk assessment for new product activities
• Execute the Bank’s liquidity risk management framework in accordance with the Liquidity Policy and Contingency Funding Plan, ensuring sufficient liquidity under business-as-usual and stressed conditions.
• Oversee liquidity forecasting, cash flow analysis, and stress liquidity modeling across multiple time horizons.
• Monitor liquidity risk metrics, early warning indicators, and Board-approved limits; promptly escalate emerging risks to the CFO and ALCO.
• Support the development, testing, and execution readiness of contingency funding actions when warranted.
• Manage day-to-day funding activities and relationships with deposit channels, contingent funding providers, and affiliates, consistent with regulatory and policy constraints.
• Support ALCO oversight of the Bank’s asset-liability profile, funding mix, and interest rate risk exposure in accordance with the Asset/Liability Management Policy.
• Oversee preparation and review of interest rate risk analytics, including net interest income (NII), economic value of equity (EVE), duration, and cash flow gap analysis.
• Evaluate the impact of pricing strategies, growth initiatives, and market developments on liquidity, earnings, and capital under baseline and stressed scenarios.
• Ensure assumptions, methodologies, and outputs are documented, supportable, and suitable for model review and audit.
• Oversee the Bank’s investment activities within Board-approved risk limits, duration targets, credit quality standards, and concentration limits, consistent with the Investment Policy.
• Oversee appropriate pre-purchase analysis, approval, trade execution, settlement, safekeeping, and pledging of investment securities.
• Monitor portfolio performance and risk characteristics, including interest rate sensitivity and liquidity under stress scenarios.
• Prepare concise, decision-oriented investment reporting for ALCO and the Board.
• Support the Bank CFO in monitoring capital adequacy, capital forecasts, and stress impacts in alignment with the Capital Policy.
• Provide analytical input into capital and liquidity contingency planning, including balance sheet actions and funding alternatives.
• Assist in evaluating trade-offs among growth, earnings, liquidity, and capital under varying economic conditions.
• Serve as an active member of ALCO, contributing to risk assessments, policy execution, and management recommendations.
• Prepare treasury-related materials for ALCO and Board review, including liquidity, funding, interest rate risk, and investment analytics.
• Support internal audit, independent model review, and regulatory examinations related to treasury, liquidity, ALM, and investments.
• Maintain effective working relationships with regulators, auditors, counterparties, and internal stakeholders.

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: Mid Level