Essential Responsibilities: Develop and articulate a clear vision and strategy for risk management aligned with PayPal's overall strategy. Collaborate with stakeholders to assess and mitigate risks impacting operations and assets. Inspire and lead teams to implement long-term sustainability and financial stability strategies. Monitor and evaluate risk exposure to ensure compliance and safeguard the organization’s reputation. Provide key inputs and guidance as an industry leader to influence decision-making at the executive level. Minimum Qualifications:12 years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications:Senior Director, Head of Consumer Identity, Onboarding & Account Integrity. Ownership of. Onboarding across consumer KYC, including identity matching, document verification, liveness/selfie flows, and watchlist screening. Synthetic identity 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 for consumer in PayPal and Venmo 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 a graceful friction. Account change controls — cool-down windows, re-authentication gates for high-sensitivity field changes. Compromised consumer account response playbook — freeze, notify, restore, and loss recovery. Qualifications 12 years in financial services fraud, identity, or trust and safety, with at least 5 years in a senior leadership role. Deep experience operating KYC programs to mitigate stolen identity and bots at scale, ideally within a regulated financial institution or large payments platform. Hands-on experience with identity proofing technology — document verification vendors, biometric liveness, knowledge-based authentication. Demonstrated ability to build and lead strategy teams as well as provide feedback and directions to the detection science teams. Experience managing the tension between onboarding friction and conversion — fluency in false positive cost measurement. Experience in working with Product and Engineering organizations to build out fraud risk systems to implement fraudulent strategies to manage user profile. Familiarity with account takeover threat vectors including credential stuffing, SIM swapping, and session hijacking. Preferred background Financial institution (bank and wallet), large-scale consumer identity platform, or trust and safety at a major technology company. Regulatory experience with OCC or CFPB examination processes is a strong plus. Subsidiary:PayPal. Travel Percent:0-The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is:Primary Location | Pay Range:New York City, New York | ($218,000.00 - $323,950.00 Annually)Additional Location(s) | Pay Range:San Jose, California | ($218,000.00 - $323,950.00 Annually) Chicago, Illinois | ($198,000.00 - $294,250.00 Annually) Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable. 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 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.