Essential Responsibilities: Conduct timely assessments of merchant credit risk throughout the merchant life cycle. Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health. Estimate financial exposure and recommend risk mitigation measures where necessary. Communicate risk insights and recommendations effectively with cross-functional stakeholders. Maintain accurate documentation and audit trails of underwriting assessments. Monitor portfolio segments and track seller performance to identify risks and opportunities. Stay current on industry trends and credit risk best practices to inform decision-making. Facilitate or participate in special assignments and projects to support business initiatives. Minimum Qualifications:3 years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications:A Bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience. Minimum of 2 years’ professional experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/ Enhanced Due Diligence investigation or verifications, Credit Underwriting. Proven ability to analyze large amounts of data, including numerical data to report on 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 different viewpoints. Interacts 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. High level of professionalism, self-motivation, and sense of urgency. Drive for Results. Problem Solving. Written Communications. 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:Chicago, Illinois | ($89,000.00 - $127,600.00 Annually)Additional Location(s) | Pay Range:Scottsdale, Arizona | ($84,500.00 - $121,000.00 Annually) Omaha, Nebraska | ($84,500.00 - $121,000.00 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.