Description:

Job Summary:
This job participates in complex problem resolution and leads complex projects of diverse scope requiring an understanding of current business trends. They determine methods and procedures for new or special assignments, and their initiatives often result in global process improvements.

Job Description:
Essential Responsibilities:

Provide clear, pragmatic, and solution-oriented legal advice to enable business strategy while managing legal risk.
Participate in complex problem resolution, providing expert legal advice on high-stakes issues and disputes.
Ensure compliance with relevant laws and regulations.
Partner with business counterparts across the enterprise to help drive the delivery of effective legal services.
Manage legal risks and safeguard PayPal's legal interests, developing comprehensive risk management frameworks.
Escalate complex issues to senior legal leadership where appropriate.

Minimum Qualifications:

8+ years relevant experience and a Juris doctorate degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications:
Additional Responsibilities:

Serve as product and regulatory counsel for new and existing PayPal and Venmo consumer credit products, including BNPL and other emerging credit offerings, both closed and open-end, partnering with Product, Credit Risk, Compliance, Marketing, and Finance from concept through launch and ongoing operation, to include complaints and issue management.
Advise on product design, disclosures, underwriting and adverse action, servicing, collections, marketing, and customer communications to ensure compliance with federal and state consumer credit laws, including TILA/Reg. Z, ECOA/Reg. B, FCRA/Reg. V, EFTA/Reg. E, UDAAP, GLBA, SCRA/MLA, TCPA, and state lending, licensing, and other emerging product-specific laws.
Support BNPL expansion through new merchant integrations, platform partnerships, and agentic commerce, including review of sales materials and related commercial and program agreements.
Support government relations and policy efforts by analyzing newly enacted and proposed laws and regulations, assessing their impact on PayPal and Venmo products, and helping to prepare comment letters, legislative advocacy, and implementation plans.
Support regulatory exams, inquiries, and audits by federal and state regulators (e.g., CFPB, FTC, and state agencies), and help manage outside counsel.
Monitor and communicate emerging legal and regulatory developments in consumer credit and fintech, and develop practical guidance, templates, and training for business partners.
Identify opportunities to use AI-enabled tools to improve legal workflows and speed reviews.

Preferred Qualifications:

Experience as in-house counsel at a fintech, bank, or lender, or at a law firm with a consumer financial services regulatory practice, advising on consumer credit products from design through launch.
Deep working knowledge of TILA/Reg. Z, FCRA/Reg. V, ECOA/Reg. B, and UDAAP, and state law equivalents, with direct experience in BNPL, installment lending, or other short-term and small-dollar credit products.
Substantial FCRA expertise, particularly in credit reporting, furnishing, or consumer report use cases.
Familiarity with state consumer lending and licensing regimes and the evolving state BNPL legislative and regulatory landscape, as well as landscapes governing other emerging consumer credit products; experience with legislative or regulatory advocacy is a plus.
Experience supporting bank partnership or program-manager models and with regulatory exams and agency engagement (CFPB, FTC, state regulators).
Experience with commercial partnership and technology agreements, and an interest in emerging areas such as agentic commerce.
Strong business judgment, with the ability to translate complex legal issues into clear, practical advice for senior business leaders and to balance risk with opportunity.
Excellent written and verbal communication skills; comfortable managing multiple high-priority projects in a fast-paced, matrixed environment.
Collaborative, proactive, and curious, with high standards of integrity and discretion.

Subsidiary:
PayPal

Travel Percent:
0