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UK Regulatory Reporting Manager



England, UK
Posted on Tuesday, November 14, 2023
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.

Job Description Summary:
PayPal’s UK Compliance position sits within a fast growing and dynamic region encompassing significant business, customer service and technology operations. The incumbent is expected to play a key role in evolving the UK Compliance agenda and thought leadership both within UK and across the organization. The UK market has more than 30 million customers and the Compliance organisation supports PayPal’s business footprint in facilitated by regulatory clearance, product functionality; expansion of customer service activities via captive/outsourcing arrangements; and building upon the successful technology outsourcing/captive capabilities.

Job Description:
UK Regulatory Reporting and Payments Compliance Manager

The UK Market Compliance team (“Compliance team”) is responsible for second line of defence compliance risk oversight, management and reporting across PayPal UK (Legal Entity). The team is part of the consolidated company-wide second line, which is independent and organisationally separate from PayPal’s business and centralised organisations.

We are looking for an experienced Payments Compliance Specialist who will be assisting with the activities of PayPal’s UK entity regulatory compliance including managing the regulatory reporting.

Core responsibilities:

The Compliance team’s responsibilities in relation to PayPal UK include:

  • Overseeing regulatory compliance risk for Payments; Leading the delivery of regulatory reports
  • Developing policies to ensure all relevant Payments regulations are implemented and embedded in the organisation
  • Developing monitoring and testing to ensure adherence to Payments policy requirements
  • Providing Payments subject matter expertise to support the business and centralised organisations in executing the requirements of the programme and managing risks
  • Providing effective challenge to the business and centralised organisations
  • Conduct Payments related risk assessments and,
  • Communicating and reporting on the programme, aggregated risk views, and risk-related matters.

Besides the general objectives described above, this Compliance role will provide guidance on the UK’s Payment Services Regulations including the Legal Entity’s obligations in relation to Strong Customer Authentication (SCA) and Open Banking. The deliverables and key activities are further described below.

Deliverables and key activities

  • Oversight of the Legal Entity's PSR implementation and related policies including its SCA Program and Open Banking offering.
  • Evaluate and challenge status quo with the aim to continuously improve and adapt the Legal Entity’s approach to and level of compliance with PSRs and EMRs.
  • In cooperation with the first line risk teams, promote and contribute to timely recording and remediation of any payments related issues and gaps and keep updated on the overall status and extent of payments-related issues.
  • Provide advisory support to internal teams working on various parts of payments related matters incl. the SCA program and the Open Banking offering.
  • Contribute to existing internal and external reporting on payments related matters and take lead and/or develop any new or additional reporting that is needed.
  • As requested, lead or present at any forums or working groups covering e.g. SCA, fraud and Open Banking.
  • Support Legal Entity’s needs surrounding documentation (e.g. assist in policy refresh, documentation of procedures and security measures)
  • In collaboration with the Regulatory Relations team, provide support in preparation and response to regulatory requests and inspections in relation to payments.
  • Drive awareness on payments regulations among relevant staff and develop trainings and communications.
  • Maintain strong understanding of PayPal products and services and how the PSRs and EMRs, including SCA, has been implemented.
  • Support the Product Compliance team to review and assess new and changed products, processes and solutions for Payments as part of the Risk & Controls Identification Process and take part in the New Product Forum.
  • Support with business enablement discussions that require consideration of PSRs, EMRs (including SCA specific requirements.


  • A Bachelor’s degree is required. A compliance qualification is an advantage.


  • Extensive technical knowledge of the Payment Services Regulations and the Electronic Money Regulations.
  • Extensive regulatory reporting experience to UK authorities.
  • Extensive experience in partnering with and counselling senior business clients, particularly in the context of a rapidly changing and growth-oriented environment.
  • Extensive experience implementing new regulatory requirements.
  • Experience in teaming with technology and engineers on product development.
  • Experience with drafting Compliance policies and procedures.
  • Extensive experience with regulators and the regulatory exam process, ideally for Electronic Money Service businesses, Payment Service Providers or money transmitters.

Skills & Abilities:

  • Strong, communication and negotiation skills.
  • Strong problem solving and operational process skills and attention to detail.
  • Excellent ability to analyse compliance risks in complex business processes and recommend controls to mitigate those risks.
  • Excellent executive presentation and project management skills with the ability to successfully work multiple issues at one time and work across global time zones.
  • High energy, intellectual agility and creativity, an entrepreneurial spirit and the desire to work in a fast growth and changing environment.
  • Ability to work within a matrixed environment and cross functionally with operations and technology functions.
  • Ability to hold a level of influence at the top table, organising and motivating others, including those who are in more senior positions.

What We Offer
  • A high-profile role supporting a global financial services firm implement its UK strategy.
  • A great place to work with internationally diverse and collaborative working environment.
  • Flexible working is available, including different choices of office and working from home.
  • A green, sustainable working environment.

From the moment that you join our team we aspire to make your employment experience an outstanding and engaging one. The PayPal family is passionate and proud of our company. It is this vigor and attitude that helps us execute well, every day. If you are enthusiastic and thrive in a collaborative and friendly environment then we invite you to learn more, explore opportunities, and discover a place for you.

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

Who We Are:

To learn more about our culture and community visit

PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit

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

As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.

REQ ID R0108215