Job Summary:This executive will lead the systems and policies that verify user authentication profiles, prevent fraudulent or compromised accounts, and ensure account security from initial signup through ongoing use while maintaining a strong, customer-centric focus.
Job Description:- Onboarding across consumer and SMB, including authentication profile matching, document verification, liveness/selfie flows, and watchlist screening
- Synthetic authentication profile 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
- 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 graceful friction.
- Account change controls - cool-down windows, re-authentication gates for high-sensitivity field changes
- Compromised account response playbook - freeze, notify, restore, and loss recovery
Qualifications- 15+ years in financial services fraud, or trust and safety, with at least 5 years in a senior leadership role
- Deep experience operating KYC/KYB programs at scale, ideally within a regulated financial institution or large payments platform
- Hands-on experience with authentication profile proofing technology - document verification vendors, biometric liveness, knowledge-based authentication
- Demonstrated ability to build and lead detection science teams working on behavioral and ML-based models
- Experience working with Product and Engineering organizations to build out fraud risk systems to implement fraudulent strategies to manage user profile
- Experience managing the tension between onboarding friction and conversion - fluency in false positive cost measurement
- Familiarity with account takeover threat vectors including credential stuffing, SIM swapping, and session hijacking
Additional Responsibilities & Preferred Qualifications:Financial institution (bank, wallet, or card network), large-scale consumer authentication profile 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 | ($250,000.00 - $360,000.00 Annually)
Additional Location(s) | Pay Range:No other locations are assigned to this requisition currently.
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 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.
