Aaron Karczmer

Chief Risk Officer; Executive Vice-President, Risk, Regulatory and Protection Services, PayPal

Aaron serves as PayPal’s Chief Risk Officer and EVP, Risk, Regulatory, and Protection Services. He is the principal architect of PayPal’s unified data-driven approach to oversight for all risk disciplines, including compliance, across the company to help ensure PayPal meets its regulatory and business objectives. This organization is also responsible for fulfilling PayPal’s commitment to combat money laundering, terrorism financing and related financial crimes around the world, as well as ensuring a safe and secure work environment to protect PayPal’s people, property and assets.

Aaron brings almost 20 years of consumer compliance, financial crime risk management, law enforcement and legal experience to PayPal. Prior to joining PayPal in 2016, Aaron spent nearly a decade at American Express serving in a variety of compliance leadership roles, most recently as Senior Vice President, Deputy Chief Compliance Officer and Head of Global Financial Crime Compliance. This role included leading the compliance risk management and financial crime compliance programs, as well as overseeing the U.S. consumer and small business card compliance functions. Earlier in his tenure at American Express, Aaron founded and led the Financial Intelligence Unit, which had global responsibility for the suspicious activity reporting process; he also managed a number of complex regulatory orders and led the design and implementation of policy and methodology frameworks, new technology and organizational structures.

Earlier in his career, Aaron held a number of roles at the New York County District Attorney’s office, including Unit Chief and co-founder of the Identity Theft Unit, which was responsible for investigating and prosecuting cases, including counterfeit credit card rings, data breaches, and cyber-crime; he was also a member of the Firearms Trafficking Unit, where he was responsible for leading long term informant- and undercover-based investigations.

Aaron earned a J.D. from Stanford Law School and served as a law clerk for the Hon. Samuel Conti, U.S. District Court, Northern District of California. He is a B.A. graduate in Criminal Justice from John Jay College of Criminal Justice in New York.