Compliance Manager, PayPal Europe

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:

Join PayPal Europe's Second Line of Defense team and provide ongoing oversight of PPEU with a focus on credit compliance. PayPal is revolutionizing BNPL and merchant lending across Europe. Lead credit compliance for innovative products while ensuring regulatory excellence and outstanding customer outcomes.
Your Role: Advise on Consumer Credit Directive compliance, review new BNPL products, monitor emerging regulations, and guide Credit Risk and Product teams across European markets.
What You Need: 5-10 years of banking compliance experience with credit compliance expertise. Strong knowledge of European credit regulations (CCD/CCD II, BNPL frameworks). Fintech or digital lending experience highly valued. Fluent English required; French, German, Italian, or Spanish a significant advantage.
Why Join Us? Shape fintech innovation. Work with diverse, talented European teams. Make a real impact on responsible credit access for millions.
Ready to make your mark?

Job Description:

Essential Responsibilities:

• Identify issues and recommend best practices for risk management within the organization.
• Lead functional projects and programs that enhance risk assessment and mitigation efforts.
• Collaborate with teams to analyze business trends and their implications for risk management.
• Contribute to process improvements that enhance the effectiveness of risk management strategies.
• Provide guidance and support to team members in executing risk management initiatives.

Minimum Qualifications:

• 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Key Responsibilities

Credit Compliance Advisory & Product Governance

• Lead credit compliance advisory for new and modified credit products (BNPL, merchant credit, payment innovations), ensuring compliance with Consumer Credit Directive (CCD) and national consumer protection frameworks
• Review and approve credit-related business initiatives, providing guidance on creditworthiness assessments, responsible lending, disclosure requirements, and customer protection standards
• Advise on credit risk strategies (underwriting, fraud management, collections, asset sales) and oversee compliance of customer-facing content across multiple European jurisdictions

Regulatory Change Management & Horizon Scanning

• Monitor and assess emerging credit regulations (including CCD II implementation and national transpositions) ensuring timely integration into operational processes
• Collaborate with Regulatory Change Management to scope and implement credit-related regulatory developments
• Provide subject matter expertise on European credit regulations to internal stakeholders

Compliance Oversight & Monitoring

• Support oversight of key credit compliance processes including issue management, incident reporting, complaints handling, and regulatory reporting
• Contribute to Second Line Testing program through risk-based testing and thematic reviews of high-risk areas
• Monitor credit-related incidents and issues, ensuring root cause analysis, remediation, and reporting through governance forums (Credit Risk Committee, Operations Compliance and Risk Committee)

Stakeholder Engagement & Governance

• Build strong relationships with First Line business owners (Credit Risk, Collections, Product, Business Development) and cross-functional stakeholders (Credit Legal, First Line of Defense Risk & Control)
• Prepare Management Information materials and present credit compliance updates to governance forums and senior leadership
• Support internal and external audit exercises and coordinate remediation of audit findings

 

Required Qualifications

Experience

• 8-10 years of compliance experience in banking/financial services with significant credit compliance expertise (consumer credit, lending regulations, responsible lending, underwriting, collections)
• Deep understanding of European credit regulations (CCD/CCD II, national consumer protection laws, BNPL frameworks)
• Experience with fintech, digital lending, or BNPL products highly valued

Technical Knowledge

• Strong knowledge of banking regulations and CSSF supervisory expectations (particularly Circular 12/552)
• Understanding of three lines of defense model and second line compliance oversight
• Knowledge of regulatory change management and horizon scanning methodologies

Skills & Competencies

• Excellent analytical and risk assessment skills with business-oriented approach
• Strong stakeholder management and cross-functional collaboration capabilities
• Exceptional communication skills in English; proficiency in French, German, Italian or Spanish is a significant advantage
• Ability to manage multiple priorities in a fast-paced, dynamic environment

Subsidiary:

PayPal

Travel Percent:

0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes.  Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.  To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us. 

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our 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.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion 

PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law.  In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.  If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at [email protected].  

Belonging at PayPal: 

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.