Market Compliance Officer

Overview

Market Compliance Officer - Brazil at PayPal. The Brazil Market Compliance Officer (MCO) is responsible for delivering on the compliance and regulatory requirements for PayPal do Brasil Instituicao de Pagamento Ltda, ensuring it is compliant with local laws and regulations. The MCO needs to have a deep understanding of financial services and fintech products and business models to offer guidance on how to most effectively comply with regulatory requirements while supporting the business strategy and customer experience.

Responsibilities

• Delivering on the regulatory requirements for PayPal in Brazil, this position is responsible for support of second line development and oversight of the Risk and Compliance Management Program via a data-driven approach that meets both the PayPal global framework and all local regulatory requirements.
• Providing guidance to business partners relating to the development of controls for critical business processes to mitigate compliance/operational risk, including AML, Privacy and Consumer Protection.
• Assisting in execution of the compliance risk assessments.
• Supporting ongoing and targeted compliance monitoring and/or testing.
• Providing ongoing support of business unit's issue management and remediation efforts.
• Assisting with the development of SOPs and applicable policies.
• Providing business with guidance and oversight of new product development initiatives.
• Preparing periodic reports summarizing the business units' risk and control environment.
• Engaging key Risk and Compliance program stakeholders to help support business unit initiatives.
• Lead local projects and initiatives, and support and provide input into global projects and initiatives.
• Develop and maintain excellent working relationships across global, operational, and functional staff supporting PayPal do Brasil Instituicao de Pagamento Ltda
• Enhance general risk management and compliance culture within the business.

Qualifications

• Deep knowledge of Brazil financial services/payments regulatory environment, including significant knowledge of anti-money laundering programs, corporate governance, regulatory reporting obligations, consumer protection and privacy.
• 10+ years of experience in demonstrating leadership in building complex Compliance Programs.
• Ability to quickly identify and bring external perspectives, particularly when developing policies, procedures, and best practices for compliance.
• Ability to dynamically evolve the compliance program with changes in industry guidance, norms and expectations.
• Ability to effectively analyze regulatory risks in complex business processes, and recommend controls to mitigate those risks.
• Extensive experience with regulators and the regulatory exam process, ideally within the Financial services and/or Fintech industry.
• Ability to provide compliance leadership for products and jurisdictions.
• Ability to provide intel on emerging compliance risks.
• Ability to identify new or changing compliance requirements and connect those requirements to the specifics of PayPal.
• To help FLOD and SLOD stakeholders understand and address the nuanced compliance requirements for the respective products and jurisdictions.
• Embed compliance considerations early in the product development lifecycle.
• Understand the impact a changing business has on compliance requirements.
• Provide a deep level of context directly applicable to the business.
• Take ownership of outcomes and the ability to work with business unit teams to address issues and drive performance.
• High energy and creativity, entrepreneurial spirit, and the desire to work in a growing and changing environment.
• Effective in a matrixed environment, and cross functionally with operations and technology functions; able to work across multiple geographies including global shared services outside Brazil.
• Discuss compliance matters with senior leaders and FLOD/SLOD risk managers; provide targeted guidance, support, and training to risk partners; manage relationships with local regulators; communicate complex matters clearly and succinctly.

Behaviors

• Partnership – organizational awareness; engage with peers and seniors across PayPal.
• Innovate – lead effectively in a dynamic, fast-changing environment; challenge conventions.
• Deliver stand-out results – develop decisive strategies that deliver tangible outcomes.
• Execution – focus on strategic priorities; maintain clear, simple systems.
• Leadership – contribute to the business leadership agenda; set a vision for the business area.
• Collaborative skills for working with PayPal business units and regional/global compliance teams.
• Strong organizational skills, problem solving, attention to detail; ability to manage multiple projects and meet deadlines with high quality output.
• Project management experience, including leading the development and execution of project plans and reporting.
• High energy and creativity; entrepreneurial spirit for a fast-paced, evolving environment.
• Ability to learn quickly; manage multiple responsibilities with sound judgment and flexibility.
• Ownership and proactive collaboration with relevant teams to resolve issues.

Benefits

PayPal offers benefits to support your financial, physical, and mental health, including a flexible work environment, employee stock options, health and life insurance, and more. For details, please visit the PayPal benefits site. (

Work Model

For many employees, PayPal offers a balanced hybrid work model with 3 days in the office and 2 days at your chosen location.

Who We Are

To learn more about our culture and community, visit

Diversity and Inclusion

PayPal provides equal employment opportunity to all persons and 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

Belonging at PayPal

Belonging at PayPal means creating a workplace where everyone can feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities we serve.

If you would like to express interest, 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.

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