At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives. We’re a purpose-driven company, and our beliefs are the foundation of how we conduct business every day. We’re guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Collectively, these values inspire us to work together as One Team with our customers at the center of everything we do, and to take care of ourselves, each other, and the communities in which we live and work. We challenge the status quo, ask questions, and find solutions. Join us as we enable the hopes, dreams, and ambitions of millions of people around the world. 
 
Do you have a passion for conducting investigations and analyzing financial activity? Do you want to join a company that will give you industry leading training, cutting edge technology and access to worldwide, world-class customers? Join PayPal’s Global Financial Crimes and Consumer Protection team 
 

About this Opportunity 

As a Compliance Investigator II - Crypto, you will be a part of PayPal’s Global Financial Crimes and Consumer Protection organization tasked with ensuring that activity within the PayPal system is compliant with Anti-Money Laundering regulations and guidelines. You will be expected to be an AML Subject Matter Expert, with specific emphasis on Cryptocurrency, High-Risk, and Complex Investigations.  You will be responsible for the creation and timely delivery of SARs to local regulators. In the preparation of SARs, you will exercise independent judgment and discretion handling highly sensitive casework. In this role, you will investigate customer activity across multiple platforms to ensure that it falls within acceptable parameters established by governing bodies including, but not limited to all relevant FIUs (Financial Intelligence Units). 

You will need to demonstrate the ability to understand opposing points of view on highly complex issues and to navigate and integrate differing viewpoints stemming from all levels of Global Compliance & Ethics leadership. You may be expected to interact with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents to represent reasoning of case disposition. It will be critical for you to stay current with policy changes, latest financial crime trends, and seek ways to enhance the current investigative processes. 

About the Role 

• Apply analytic techniques to complex information sets to make logical and effectively supported recommendations on cases for reporting. Such investigation decisions are critical to PayPal’s fiduciary responsibility under the Bank Secrecy Act (Anti-Money Laundering rules) to effectively monitor customers’ activities regarding detecting and reporting suspicious activity 

• Assess customer profiles and large amounts of data to ensure normal and expected activity, including Acceptable Use Policy adherence and Know Your Customer efforts 

• Document complex findings in a clear narrative style format, in the simplified case management (SCM) system and prepare reports to management as required 

• Regularly exercise good judgment in making decisions or recommendations in relation to multiple complex case investigations 

• While other members of the team have a broad mandate when it comes to investigations, this role is specifically focused on High Risk, Complex, and Cryptocurrency (or “Crypto”) investigations 

• Analysis of trends within the use of Crypto on the PayPal platform to find potential methods of abuse and ensure our detections are working properly. 

• Size and Scope: Performs portions of work assignments requiring general domain knowledge and developing business expertise 

• Supports and may lead projects of limited scope impacting function or sub-function 

• Analyzes and makes decisions within limited parameters under regular supervision 

• Receives regular and general instruction and guidance from more experienced colleagues on work in the form of specific objectives 

• Level of Expertise: Applies intermediate level of subject matter knowledge and understanding of own function while gaining additional function specific experience, basic understanding of how own function interacts with related functions 

• Complexity: Exercised judgment within defined processes and procedures to determine appropriate actions or to recommend resolutions  

• Works on problems of moderate scope that may require analysis of situations, data or problems 

About you 

• A Bachelor’s degree is preferred in Finance, Legal, Criminal Justice or a comparable field. 

• Minimum of 2+ years’ experience conducting research and investigations related to Anti-Money Laundering, Suspicious Activity Reporting (SAR), Brand Risk Management (BRM) or Enhanced Due Diligence (EDD) investigations required 

• Proven ability to analyze large amounts of data to report critical information 

• Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels 

• Ability to understand opposing points of view on highly complex issues 

• Proven knowledge of international and regional Anti-Money Laundering and Sanctions regulations and guidance such as Bank Secrecy Act (US) and US Patriot Act. 

• Interact with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition 

• Crypto-specific investigative work experience (in a compliance role at a Crypto firm, or at a regulatory or law-enforcement agency) or strong foundational cryptocurrency ecosystem knowledge is preferred 

• Experience in use of cryptocurrency specific forensics tools is preferred 

• ACAMS certification is preferred 

• Advanced data query and analysis skills (SQL, SAS, Teradata, Hadoop, etc.)