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Due Diligence Investigator (HO&I) in Dundalk, County Louth, Ireland at PayPal

Date Posted: 12/29/2021

Job Snapshot

Job Description

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives. We’re a purpose-driven company, and our beliefs are the foundation of how we conduct business every day. We’re guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Collectively, these values inspire us to work together as One Team with our customers at the center of everything we do, and to take care of ourselves, each other, and the communities in which we live and work. We challenge the status quo, ask questions, and find solutions. Join us as we enable the hopes, dreams, and ambitions of millions of people around the world.

Do you have a passion for conducting investigations and analyzing financial activity? Do you want to join a company that will give you industry leading training, cutting edge technology and access to worldwide, world-class customers? If so, join PayPal’s Global Compliance Investigations team!

Be an AML subject matter expert, with specific emphasis on understanding and assessing the risks associated with high-risk industries, products, and jurisdictions. You will exercise independent judgment and discretion handling highly sensitive casework. Your efforts will be in accordance with PayPal’s Compliance & Ethics Standards, and obligations to the appropriate regulations, such as the Bank Secrecy and USA PATRIOT Acts, and other governing authorities.

An Additional skillset for this position includes evaluating the business model and credit risk associated with new onboarding and expansion requests in specific industries, to ensure we are enabling responsible growth for PayPal.    Collaborate with peers across Risk and Compliance teams as well as with the various Sales Partners across the organization as a key function of this role is to support business enablement in high-risk industries.

You will ensure that activity within the PayPal system is compliant with Anti-Money Laundering regulations and guidelines, through the correct disposition of alerts and cases derived from testing a customer’s profile, business and account activity. You will investigate customer activity across multiple platforms to ensure that it falls within acceptable parameters established by governing bodies including, but not limited to, the Financial Crimes Enforcement Network (FinCEN) and the US Department of Treasury’s Office of Foreign Assets Control (OFAC). You will be tasked with ensuring that PayPal implements the appropriate monitoring and controls by incorporating successful investigative practices to ensure that PayPal executes on these obligations accordingly.

As a HO&I Compliance Investigator, you will need to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints with all levels of Global Financial Crimes and Compliance leadership. You will be expected to interact with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents in order to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition. It will be critical for you to stay current with policy changes, seek ways to enhance current processes and controls, and always maintain the utmost professionalism in your interaction with your peers. You will be expected to exercise independent judgment and discretion handling highly sensitive escalations and casework, including high risk, fundraising, and non-profit escalations.

Your responsibilities:

  • Conducting a meticulous review of potential illegal activity or activity in violation of various fundraising and non-profit regulations.
  • Completing a time-sensitive and thorough analysis of high-risk customer segments and/or of potential Anti-Money Laundering activity and/or suspicious financial activity across multiple jurisdictions and countries;
  • Assessment of high-risk customer profiles and large amounts of data to ensure normal and expected activity, including Acceptable Use Policy adherence and Know Your Customer efforts.
  • Assessing business model risk and determine credit exposure risk on new or existing merchants to determine appropriate course of action
  • Analyzing financial, bank, and processing statements to assess credit worthiness
  • Monitoring and investigation of merchants’ credit card processing activities using internal and external Risk monitoring tools
  • Applying analytic techniques to complex information sets to make logical and supported recommendations.
  • Regularly exercising good judgment and making decisions or recommendations in relation to case investigations conducted.
  • Documenting findings in narrative style format, in the manual and automated process case management system and prepare reports to management as required
  • Preparation of concise oral and written summary recommendations regarding findings, issues and mitigants to risks
  • Understanding of license requirements and regional laws
  • Staying abreast of regulatory changes, maintaining awareness of internal process, changes, or nuances.
  • Applying a holistic approach (across regions, products, programs) 
  • Seeking industry knowledge such as VASP/ Crypto and maintain awareness of industry news/ trends and relate topics back to the program.               
  • Demonstrating support of servicing strategy to manager/ supervisor by demonstrating a high level of inventory awareness and management.                      

For more than 20 years, PayPal has remained at the forefront of the digital payment revolution. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, our open digital payments platform gives PayPal’s 400 million active account holders the confidence to connect and transact in new and powerful ways. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying, or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom, enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.

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



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