# Sr. Manager, Payments and Fraud Oversight

**Company**: PayPal
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://paypal.wd1.myworkdayjobs.com/en-US/jobs/job/Luxembourg-City-Luxembourg-Luxembourg/Sr-Manager--Payments-and-Fraud-Oversight_R0137896?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_b081d7de-968

## Description

PayPal Europe is seeking a Sr. Manager, Payments and Fraud Oversight to provide independent second-line oversight of payment and fraud-related risks across its European payment operations.

The successful candidate will deliver risk challenge, independent opinion, and thematic analysis, ensuring that first-line processes operate within risk appetite and that controls remain effective.

**Key Responsibilities**

**Payments and Fraud Risk Oversight**

- Provide independent oversight and challenge on first-line Payments and Fraud Risk Frameworks, ensuring alignment with enterprise risk appetite and EU/Luxembourg supervisory expectations.

- Review and advise on risk appetite, tolerances, and KRIs/KCIs, ensuring appropriate coverage of payments and fraud risks.

- Perform independent second-line risk assessments to evaluate the design and operating effectiveness of key payments and fraud controls.

- Monitor and assess risk exposures related to cash and settlement reconciliation, liquidity and funding, ledger integrity, and operational resilience.

**Risk Analytics, Data Insight, and Technical Enablement**

- Lead second-line risk analytics initiatives to improve visibility of payments and fraud risk trends through data-driven analysis.

- Assess and challenge the data sources, metrics, and outputs used by first-line analytics teams, ensuring accuracy and relevance.

- Partner closely with enterprise and Payments Risk Analytics teams to align data definitions, methodologies, and analytical approaches.

- Provide independent insights to the CRO and senior management through dashboards, visualizations, and thematic reviews.

- Encourage continuous development of technical capability within the team, supporting the use of data analysis and visualization tools such as SQL, Python, Power BI, and Tableau.

**Payments and Fraud Monitoring**

- Monitor key payments and fraud risk exposures, including credit, operational, liquidity, and fraud losses, escalating appetite breaches and emerging trends to senior management and committees.

- Provide thematic analysis of risk drivers and control effectiveness, focusing on prevention, detection, and mitigation of significant payments and fraud risks.

- Assess the effectiveness of first-line oversight of partner banks and third-party relationships, including credit, operational, and concentration risk aspects.

**Independent Review and Challenge**

- Conduct independent second-line reviews of critical payments and fraud management processes (SEPA operations, acquiring, payouts) and present risk opinions and recommendations to ARCC and CRO forums.

- Challenge new product, market, or payment-flow changes to ensure that material risks have been properly assessed and mitigated before implementation.

- Partner with Payments Compliance on regulatory interpretation, maintaining a focus on assessing exposure, control strength, and adherence to risk appetite.

**Governance, Collaboration, and Reporting**

- Act as the EU/Luxembourg point of contact for payments and fraud risk oversight, aligning local oversight with global frameworks and governance.

- Engage regularly with first-line, global risk, and analytics stakeholders to ensure a consistent approach to risk monitoring and reporting.

- Prepare independent risk reporting and thematic analyses on payments and fraud risk for ARCC, CRO, and senior management.

- Support interactions with CSSF, ECB, and other European regulators on payments and fraud topics, demonstrating strong oversight and governance practices.

**Requirements**

- Minimum 8 years of experience in payments-related roles.

- Strong understanding of payments systems, risk management frameworks, and regulatory oversight applicable to the EU and Luxembourg environment.

- Strong analytical skills with ability to interpret data and metrics; proficiency with Python and database tools is a plus.

- Experience with visualization and reporting tools (e.g., Power BI, Tableau) strong plus, comfort using data to communicate insights to senior management.

- Ability to work collaboratively across global and regional teams, prioritize tasks, and manage competing deadlines in a dynamic environment.

- Excellent communication and stakeholder management skills, with the ability to influence and challenge constructively.

## Skills

### Required
- payments systems
- risk management frameworks
- regulatory oversight
- Python
- data analysis
- visualization tools

### Nice to have
- SQL
- Power BI
- Tableau
- database tools

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Source: [Apply at paypal.wd1.myworkdayjobs.com](https://paypal.wd1.myworkdayjobs.com/en-US/jobs/job/Luxembourg-City-Luxembourg-Luxembourg/Sr-Manager--Payments-and-Fraud-Oversight_R0137896?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)