UK Money Laundering Reporting Officer

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.

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.

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.

PayPal UK Ltd (“PPUK”) has been serving millions of UK customers for over 20 years. As part of our commitment to protecting customers and ensuring the integrity of the financial system, we are seeking a UK MLRO to support the development, oversight, and continuous improvement of the PayPal UK Financial Crime Programme.

• Establish overall business or technical strategy for risk management with significant impact on operations.
• Influence executive-level decision-making through strategic risk assessments and recommendations.
• Partner with stakeholders to implement strategies that reduce or transfer identified risks.
• Monitor and analyze risk exposure to ensure alignment with organizational objectives.
• Lead initiatives that contribute to long-term sustainability and resilience in the face of uncertainty.
• Oversee AML/CTF, Sanctions, Fraud, and ABC systems and controls across PPUK.
• Lead enhancements to financial crime policies, standards, and procedures aligned to regulatory requirements and industry best practice.
• Deliver financial crime insights, risk updates, and reporting for senior management, the Board, and internal governance committees.
• Provide oversight of key operational financial crime activities, including transaction monitoring, investigations, screening, intelligence, and SAR processes.
• Conduct second-line monitoring, thematic reviews, and deep dives to assess control effectiveness and drive remediation.
• Advise on financial crime risks for new products and operational changes and engage closely with Product, Engineering, and Group Financial Crime teams.
• Support regulatory engagement, audits, and supervisory requests from the FCA and other authorities.
• Help foster a strong compliance culture and support the development of financial crime capability across the organisation.

• 10+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
• Significant experience (greater than 10 years) in Financial Crime, AML/CTF, Sanctions, or Fraud within a regulated financial services environment.
• Strong knowledge of UK regulatory requirements (FCA Handbook, SYSC, UK MLRs, JMLSG).
• ACAMs or ICA graduate diploma in AML or Financial Crime Risk.
• Experience working with regulators and leading or supporting regulatory reviews or audits.
• Strong analytical, problem-solving, and communication skills with the ability to influence at senior levels.
• Ability to operate confidently in a fast-paced environment while managing complex risks.
• Excellent communication skills with the ability to articulate complex decisions and concepts to a range of different stakeholders with competing agendas.
• Proven ability to build and maintain effective relationships with global teams, peers, management, internal teams and external agencies at a senior level.
• Self-motivated, able to manage deadlines under pressure.

You are a collaborative, proactive financial crime professional who thrives in dynamic environments. You can navigate complex regulatory matters with clarity, build strong partnerships across multiple teams, and help drive a culture where doing the right thing for customers is at the centre of every decision.

At PayPal, we champion innovation, inclusion, and customer well-being. If you are passionate about financial crime prevention and want to make a meaningful impact at scale, we would love to hear from you.

We have great benefits including a flexible work environment, employee share options, health and life insurance and more.

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.

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.