Sr. Manager, U.S. Credit Compliance

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. Job Description Summary: PayPal’s Global Consumer Practices team is looking for an experienced and energetic Senior Manager to manage the team’s second line of defense responsibilities for U.S. Credit Compliance. Job Description: This role, reporting to the Director of Global Consumer Practices (GCP), will manage the Global Customer Practices team’s second line of defense oversight and advisory for U.S. regulatory compliance for credit products and services. Provide subject matter & advisory support for U.S. credit Business Units for U.S. regulatory compliance. Oversight of the company’s compliance with U.S. credit compliance regulations, including those applicable to fair lending and fair credit reporting. Author and maintain written policies and training modules for U.S. credit regulatory requirements. Oversight of the company’s U.S. fair lending compliance program, including: Managing the development and implementation of fair lending policies and procedures. Oversight of credit models and strategies for fair lending risk. Overseeing a comprehensive fair lending risk assessment. Development of an annual risk-based fair lending testing schedule. Management and oversight of end-to-end completion of annual fair lending testing schedule. Monitor complaint activity, marketing initiatives, and credit model strategy for fair lending compliance. Provide fair lending compliance guidance to business units. Consult on testing and monitoring of U.S. regulatory obligations for credit products, including targeted fair lending testing and oversight of compliance and fair lending concerns relating to machine learning-driven credit underwriting, marketing, servicing, and collection models. Monitoring new and emerging regulatory developments impacting U.S. credit compliance regulations, including identifying trends and potential impacts on U.S. credit Business Units. Serving as a subject matter expert providing guidance to Legal, Compliance, and Business Units on U.S. compliance regulations applicable to credit. Qualifications: Candidates should possess the following qualifications: 10 years of U.S. credit compliance, consumer protection, banking, or similar experience. Experience designing, implementing, and managing a comprehensive compliance program. Demonstrated subject matter expertise in U.S. consumer protection laws and regulatory expectations applicable to financial services organizations and U.S. credit products, such as Equal Credit Opportunity Act/Fair Lending, Unfair, Deceptive, or Abusive Acts or Practices Act (UDAAP), Fair Credit Reporting Act, Truth in Lending Act (Regulation Z), Service Members Civil Relief Act (SCRA), Fair Debt Collection Practices Act (FDCPA), Electronic Signatures in Global and National Commerce Act (E-SIGN), Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (CAN-SPAM), and Telephone Consumer Protection Act (TCPA). Experience overseeing a second line fair lending compliance program, including oversight of a fair lending testing and monitoring program. Understanding of the application of models, artificial intelligence, and machine learning in the offering and servicing of U.S. Credit Products. Strong communication and presentation skills; ability to communicate and help non-experts understand applicable requirements. Strong writing skills, with attention to detail and ability to generate original documents. Excellent investigative and analytic skills to identify trends and insights. Ability to thrive in a fast-paced, changing environment by multitasking effortlessly and managing competing priorities under demanding deadlines. Demonstrates strong and effective leadership skills and ability to operate comfortably within a complex cultural, global environment. Demonstrated ability to learn quickly, manage projects and drive results. Proven track record of driving results and building effective relationships. Operate with strong integrity with the ability to handle projects of a sensitive and confidential nature. Strong computer knowledge; excellent MS Word, Excel, and PowerPoint skills. Certified Regulatory Compliance Manager (CRCM) is preferred. Prior FinTech experience is preferred. Additional Job Description: Subsidiary: PayPal Travel Percent: 0 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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you. We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com Who We Are: Click Here to learn more about our culture and community. PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit paypal.com. 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 paypalglobaltalentacquisition@paypal.com. Any general requests for consideration of your skills, please Join Our Talent Community. As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated. At PayPal we are reimagining money, democratizing financial services, and giving people more ways to safely connect to their money and to each other. We are purpose-driven and looking for people who want to join us at the forefront of the digital payments revolution. Learn more at PayPal.com/Jobs Learn more about privacy-related questions or data retention. 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Please note that this site has updated features that can’t run on older versions of Internet Explorer. Please use IE11 or MS Edge for an optimal experience.