Sr Analyst, Underwriting

**The Company**

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**:
**Your way to impact**

As a Senior Analyst in the Holistic Onboarding and Underwriting team, your work will directly contribute to protecting the integrity of PayPal’s ecosystem and enabling responsible growth. You'll play a pivotal role in identifying and mitigating risks tied to customer onboarding and underwriting, helping to uphold our commitment to compliance, trust, and security across markets.

In your day-to-day role, your responsibilities include:

- Conduct comprehensive reviews and risk assessments of new and existing customers during onboarding and underwriting.
- Analyze a wide range of data, including business models, credit scores, industry information, and products, to assess merchant financial health and potential risks to PayPal.
- Estimate potential financial exposures and determine the need for risk mitigation measures.
- Perform thorough analyses of high-risk customer segments and potential AML, financial crime, and suspicious activities across multiple jurisdictions.
- Ensure compliance with Acceptable Use Policy, Know Your Customer (KYC) efforts, and Customer Identification Program (CIP) requirements.
- Identify trends and potential risk factors in customer data, ensuring alignment with company policies and regulatory guidelines.
- Exercise good judgment in making decisions or recommendations related to case investigations.
- Document findings in narrative format within the case management system and prepare reports for management.
- Ensure high-quality reviews and maintain performance in the Quality Control Program.
- Communicate risk insights and recommendations professionally and effectively with cross-functional stakeholders.
- Evaluate and provide feedback on data, tools, processes, and assessment methodologies for continuous improvement.
- Support reviews conducted in different languages including Japanese.

**What do you need to bring**
- A Bachelor’s degree in Finance, Economics, Legal, Criminal Justice, Business Administration, Accounting, or a comparable field, or equivalent work experience.
- Minimum 3+ years of relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting, valuation, or investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.
- 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 work efficiently with an attention to detail in investigations, analysis, and writing.
- Ability to understand opposing points of view on highly complex issues and to negotiate and integrate differe