Manager, Risk-as-a-Service SME
PayPal
New York, NY, USA
USD 96,900-234,300 / year + Equity
Posted on May 10, 2025
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 Description Summary:
We're looking for a highly knowledgeable risk and fraud product Subject Matter Expert (SME) to join our Risk-as-a-Service product team, focusing on the commercialization and growth of our portfolio. You will be working closely with leaders across PayPal to delight our customers and drive financial outcomes for the business. The ideal candidate will have extensive experience in the payments industry, specifically with transactional risk and fraud tools; they will demonstrate a highly consultative approach with merchants to deploy the right combination of solutions and strategies to optimize for their unique needs.
Job Description:
Meet our team:
The Risk-as-a-Service (RaaS) Product team manages several distinct, monetized solutions that empower merchants to address risk and fraud throughout the transaction lifecycle. These global solutions are deployed across PayPal’s processing platforms and serve all sizes of businesses, from small and medium sized companies to large, global enterprises. You will be working closely across the Product Management teams supporting the RaaS solutions as well as key cross-functional partners in Sales, Account Management, Finance, Go-to-Market, Data Science, and more to ensure successful adoption and scale.
Job Description
Your Day-to-Day:
PayPal is committed to fair and equitable compensation practices.
Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.
The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.
The U.S. national annual pay range for this role is PayPal is committed to fair and equitable compensation practices.
Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.
The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.
The U.S. national annual pay range for this role is $96900 to $234300
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 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:
To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx
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 paypalglobaltalentacquisition@paypal.com.
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.
Notice to Applicants and Employees who reside within New York city. Click https://careers.pypl.com/Contact-Us/default.aspx
to view the notice.
REQ ID R0126146
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 Description Summary:
We're looking for a highly knowledgeable risk and fraud product Subject Matter Expert (SME) to join our Risk-as-a-Service product team, focusing on the commercialization and growth of our portfolio. You will be working closely with leaders across PayPal to delight our customers and drive financial outcomes for the business. The ideal candidate will have extensive experience in the payments industry, specifically with transactional risk and fraud tools; they will demonstrate a highly consultative approach with merchants to deploy the right combination of solutions and strategies to optimize for their unique needs.
Job Description:
Meet our team:
The Risk-as-a-Service (RaaS) Product team manages several distinct, monetized solutions that empower merchants to address risk and fraud throughout the transaction lifecycle. These global solutions are deployed across PayPal’s processing platforms and serve all sizes of businesses, from small and medium sized companies to large, global enterprises. You will be working closely across the Product Management teams supporting the RaaS solutions as well as key cross-functional partners in Sales, Account Management, Finance, Go-to-Market, Data Science, and more to ensure successful adoption and scale.
Job Description
Your Day-to-Day:
- Deep dive into data: Leverage internal and external data to identify growth opportunities and craft/execute initiatives to capture them; sales pipeline and backbook portfolio lists are examples of key data sources you will reference regularly
- Consult throughout the sales funnel: Serve as a resource for training and development, sharing knowledge of RaaS systems and operations with commercial and operational stakeholders; act as a resource and force multiplier for sellers to get deals from lead to live, ushering merchants through the funnel with a focus on discovery and solutioning
- Actively drive deals forward: In specific large, strategic deals, work directly alongside Account Managers to prepare and deliver compelling narratives, influence a diverse set of merchant stakeholders, and partner with Solution Engineering to ensure successful integration of RaaS products
- Enhance commercial operations: Analyze and solve operational business / process problems related to the uptake of RaaS products, developing effective solutions to enhance efficiency and accuracy
- Champion collaboration: Work alongside the head of RaaS Commercialization and Growth to foster close partnerships with cross-functional teams like Sales, Account Management, Finance, Go-to-Market, Data Science, and more to ensure successful execution of initiatives as well as operational processes
- Foster a feedback loop for growth: Monitor and evaluate industry trends in risk and fraud tooling, offering insights to enhance our operational strategies and customer experiences; a key component of this will be documenting and maintaining a robust record of common questions / challenges posed by merchants through the deal process
- Data-driven decision making: A strong analytical mind with the ability to leverage data insights to inform commercial initiatives and foster rich sales discussions; financial analysis experience a plus
- Execution excellence: Examples of supporting and executing cross functional initiatives in a high-growth, fast-paced environment, particularly within commercial environments
- Customer obsession: A deep empathy for the needs of merchants (particularly large enterprises) and finding opportunities to increase the impact of what PayPal can provide them
- Collaborative spirit: The ability to build strong relationships and inspire cross-functional teams to achieve ambitious goals; with this, a desire to roll up your sleeves and drive the progression of key deals in partnership with Sales
- Strategic vision: An understanding of the payments landscape and the ability to translate market trends into actionable commercial initiatives
- Bachelor’s degree in Finance, Business, or a related field; advanced degree preferred
- Proven experience in the payments industry with a focus on risk and fraud tooling
- Excellent problem-solving skills, with a track record of effectively addressing complex operational challenges
- Strong communication and interpersonal skills, with the ability to influence and engage stakeholders informally
- Expert in PowerPoint, Excel and Microsoft suite
PayPal is committed to fair and equitable compensation practices.
Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.
The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.
The U.S. national annual pay range for this role is PayPal is committed to fair and equitable compensation practices.
Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.
The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.
The U.S. national annual pay range for this role is $96900 to $234300
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 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:
To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx
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 paypalglobaltalentacquisition@paypal.com.
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.
Notice to Applicants and Employees who reside within New York city. Click https://careers.pypl.com/Contact-Us/default.aspx
to view the notice.
REQ ID R0126146