VP, Legal Counsel, CFS, Credit & Venmo

The Company PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.

We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks.

We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers. We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds.

We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards.

Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts.

We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Job Summary: PayPal is seeking an exceptional senior executive to join our Legal team as VP, Legal – Consumer Financial Services (CFS), Credit & Venmo. This is a rare opportunity to lead legal strategy across three of PayPal’s most dynamic and high-growth business lines.

Reporting to the EVP and Chief Legal Officer, this VP-level executive will lead a team of experienced product and regulatory lawyers supporting PayPal’s Consumer Financial Services, Credit, and Venmo businesses. The ideal candidate is a proven executive leader with deep expertise in consumer financial services law, credit and lending regulations, buy now pay later products, and the unique regulatory landscape of a high-scale consumer payments platform like Venmo.

This leader must combine sophisticated legal judgment with strong business acumen to serve as a strategic advisor and trusted partner to senior business leadership. This executive must possess exceptional analytical and communication skills to influence business strategy at the highest levels, bringing technical depth, creativity, agility, and a track record of leading critical legal and business initiatives from concept through execution

Leadership & Strategy Lead a high-performing team of experienced product and regulatory lawyers supporting PayPal’s Consumer Financial Services, Credit, and Venmo product organizations. Serve as the primary legal advisor and strategic partner to the heads of CFS, Credit, and Venmo, providing executive-level counsel on business strategy, product development, and regulatory matters.

Continue to develop and lead an agile, high-performing legal team with a culture of excellence, and collaboration. Develop and implement legal support models, guidelines, and templates that enable business partners to move quickly and with confidence.

Manage outside counsel relationships and legal budget strategically across all relevant matters. Proactively identify, assess, and implement AI-based solutions to optimize workflows, accelerate reviews, and enhance team efficiency. Product & Regulatory Counsel Provide timely, business-focused legal advice on product design and strategy across CFS, Credit, and Venmo product lines; proactively identify legal and regulatory risks and recommend pragmatic mitigation strategies.

Lead legal support for the development and launch of consumer financial services and credit products, including buy now pay later, installment lending, consumer credit, and other financial service offerings. Lead legal support for Venmo product and feature development, including payments, social features, financial services integrations, and related marketing campaigns and commercial transactions.

Advise on the full spectrum of applicable federal and state laws and regulations, including: EFTA/Reg. E, TILA/Reg. Z, FCRA/Reg. V, FACTA, GLBA/Reg. P, UDAAP, FDCPA, ECOA/Reg. B, SCRA, TCPA, CAN-SPAM, state money transmitter laws, the Remittance Transfer Rule, and other consumer protection and financial services laws.

Advise on card network and ACH rules, app marketplace guidelines, and other applicable third-party policies. Review product experiences, marketing content, terms, disclosures, and related materials to ensure compliance with applicable laws.

Engage strategically with federal and state regulatory bodies including the CFPB, FTC, CA DFPI, NY DFS, and others; support regulatory exams, internal audits, and third-party reviews. Monitor, analyze, and advise leadership on emerging legal and regulatory developments relevant to CFS, Credit, and Venmo.

Develop a deep understanding of PayPal’s core businesses, markets, products, customers, and competitive environment to deliver forward-looking, high-quality legal advice. Cross-Functional Partnership Collaborate closely with Legal, Risk and Compliance, Finance, and other cross-functional teams to drive business growth while managing legal risk.

Participate actively with senior business leaders to plan and execute effective product and business strategies. Build trusted executive relationships with stakeholders across PayPal’s family of companies to enable the delivery of excellent, business-focused legal services at scale.

Additional Responsibilities & Preferred Qualifications : Required J.D. from an ABA-accredited law school; admitted to and in good standing with a state bar. 15+ years of relevant legal experience, with substantial time in a senior executive or leadership role.

Deep, demonstrable expertise in Consumer Financial Services (CFS), consumer and business credit and lending, and Venmo or an analogous high-scale consumer payments platform. Comprehensive knowledge of federal and state financial services laws and regulations, including: EFTA/Reg.

E, TILA/Reg. Z, FCRA, GLBA, UDAAP, FDCPA, ECOA, SCRA, state money transmitter regulations, and guidance from the CFPB and FTC. Proven track record advising on legal and regulatory matters related to product development and launch in FinTech, banking, or financial services.

Experience engaging directly with federal and state regulatory agencies. Demonstrated ability to build, lead, and inspire high-performing legal teams with an inclusive and collaborative culture. Exceptional executive communication and influencing skills, including the ability to advise senior leadership and translate complex legal issues into clear, actionable business guidance.

Strong business judgment and the ability to balance legal risk with business opportunity in a fast-paced, high-growth environment. High personal standards of ethics and integrity, with the ability to act with discretion and strict confidentiality.

Confident, empathetic leader who can empower team members to achieve at a consistently high level while maintaining strong stakeholder relationships. Preferred MBA or LLM. Familiarity with card network and ACH rules and applicable third-party policies (e.g., app marketplace guidelines).

Experience with data privacy laws as they relate to financial institutions. Knowledge of buy now pay later (BNPL) and emerging consumer credit product structures. Executive-level experience in a large, matrixed FinTech or financial services organization.

Subsidiary: PayPal Travel Percent: 0 - The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is: Primary Location | Pay Range: San Jose, California | ($250,000.00 - $360,000.00 Annually)
Chicago, Illinois | ($250,000.00 - $360,000.00 Annually)
Washington DC, District of Columbia | ($250,000.00 - $360,000.00 Annually)
 Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes.

Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately. To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us .

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

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 comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most.

We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

Who We Are: Click Here to learn more about our culture and community. Commitment to Diversity and Inclusion 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 paypalglobaltalentacquisition@paypal.com .

Belonging at PayPal: Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued.

We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal. Any general requests for consideration of your skills, please Join our Talent Community .

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply. Notice to Applicants and Employees who reside within New York City. Click here to view the notice.