Please note that this site has updated features that do not run on older versions of Internet Explorer. For an optimal experience, please use another browser or the most recent version of IE.

Merchant FLOD Testing in Timonium at PayPal

Date Posted: 1/10/2021

Job Snapshot

  • Employee Type:
  • Location:
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
  • Job ID:

Job Description

Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ: PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal’s 305 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. 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.

This First Line of Defense position supports risk mitigation activities for the PayPal Credit Merchant, Marketing, and Sales organizations. In support of the front-line businesses, the position conducts risk management activities to ensure the business is adhering to policies and procedures, and is operating within risk tolerances. Activities encompass end-to-end process reviews, assessment of the design and operating effectiveness of controls, and the development and documentation of new controls to address deficiencies This position requires hands-on experience with designing, engineering, implementing, and documenting testing methodologies, Advanced analytical skills are required and the ability to work within a complex technology environment to identify, validate, and compile data for testing and analytics. The ideal candidate will be effective in collaborating across business lines, have a desire to work in a rapidly changing environment, and have familiarity with PayPal and the Merchant processing industry.


  • Conduct thorough process reviews, leveraging process or business mapping techniques to document end-to-end process and observations. Perform root cause analysis to further evaluate gaps and validate controls (Six Sigma experience is preferred).
  • Conduct risk and control assessments, documenting key risks and controls, and support the development of action plans to remediate control gaps,
  • Monitor existing controls, create, and document new controls when deficiencies/issues are identified.
  • Develop procedures in accordance with the enterprise risk policies, regulatory and legal requirements
  • Develop testing including design, engineering, and implementation of testing methodologies
  • Create dashboards and views for ongoing testing results.
  • Leveraging internal data sources, and industry best practices, support the design of monitoring and exception reporting
  • Establish strong partnerships with line of business representatives
  • Participate, as a supporting function for control owners, in complex project initiatives involving large cross functional teams.

Competencies and Requirements

Experience and Education:

  • Minimum 5 years of experience in project/process management, compliance/audit, and/or credit industry experience, and at least 1-2 years previous experience in credit required
  • Bachelor’s degree or equivalent experience required

Data and Analytics:

  • Advanced analytical, cross-referencing, and deductive reasoning skills.
  • Ability to analyze a broad range of performance data, and provide
  • Familiarity with visualization tools like Tableau, and the ability to mine data for reporting (tables and/or views)
  • Basic knowledge of internal systems & software (examples: Kana, Intranet, web-based applications)
  • Familiarity with analytic tools and techniques (SQL, Tableau, Python, R, etc.) is preferred

Testing and Controls:

  • Excellent written and verbal communication skills, with the proven ability to write technical testing documents, create procedures and communicate business performance results to senior level management
  • Experience with automated testing preferred
  • Ability to approach problems in a quantitative and qualitative manner, and partner with the business to drive solutions
  • Proficient in Microsoft Office and Expert level Excel skills preferred
  • Must have a strong understanding of related regulatory requirements and testing design, management, and execution.
  • Must display a high level of professional judgment, commitment, teamwork, and customer service.

Our world-class culture is something we’re proud of. We’re committed to creating a thriving and inclusive workplace with great benefits starting day 1 including:

  • Medical, dental and vision     
  • Help with your Medical Plan                                                  
  • Prescription Drugs
  • Health Savings Account
  • Wellness Coaching
  • Employee Assistance Program
  • Emotional Wellness 24/7 Support
  • 401K
  • Employee Stock Program
  • Financial Coaching
  • Flexible Spending Accounts
  • Retirement Planning
  • Life, Accident, Disability Insurance
  • Paid Time off
  • Sabbatical
  • Educational Assistance
  • Fertility Benefits
  • Adoption Support
  • Dependent Care FSA
  • Child & elder care resource
  • New Parent Resources

We're a purpose-driven company whose beliefs are the foundation for how we conduct business every day. We hold ourselves to our One Team Behaviors which demand that we hold the highest ethical standards, to empower an open and diverse workplace, and strive to treat everyone who is touched by our business with dignity and respect. Our employees challenge the status quo, ask questions, and find solutions. We want to break down barriers to financial empowerment. Join us as we change the way the world defines financial freedom.

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