VP, Onboarding & Account Integrity

PayPal•New York, NY

1d•$250,000 - $360,000•Hybrid

About The Position

This executive will lead the systems and policies that verify user authentication profiles, prevent fraudulent or compromised accounts, and ensure account security from initial signup through ongoing use while maintaining a strong, customer-centric focus.

Requirements

15+ years in financial services fraud, or trust and safety, with at least 5 years in a senior leadership role
Deep experience operating KYC/KYB programs at scale, ideally within a regulated financial institution or large payments platform
Hands-on experience with authentication profile proofing technology — document verification vendors, biometric liveness, knowledge-based authentication
Demonstrated ability to build and lead detection science teams working on behavioral and ML-based models
Experience working with Product and Engineering organizations to build out fraud risk systems to implement fraudulent strategies to manage user profile
Experience managing the tension between onboarding friction and conversion — fluency in false positive cost measurement
Familiarity with account takeover threat vectors including credential stuffing, SIM swapping, and session hijacking

Nice To Haves

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

Responsibilities

Onboarding across consumer and SMB, including authentication profile matching, document verification, liveness/selfie flows, and watchlist screening
Synthetic authentication profile and bot detection and mitigation — models and policy that identify fabricated or manipulated identities at the point of application
Step-up verification design and threshold governance for onboarding friction
1st party abuse and scam framework to mitigate loss severity and limitations both in early lifecycle monitoring for new accounts (90-day enhanced surveillance) and portfolio management
Account takeover detection — login anomaly scoring, credential stuffing defense, session behavioral biometrics
MFA and authentication strategy — enrollment rates, SIM swap detection, passkey/FIDO roadmap, delivering graceful friction.
Account change controls — cool-down windows, re-authentication gates for high-sensitivity field changes
Compromised account response playbook — freeze, notify, restore, and loss recovery