Aaron Karczmer
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Aaron Karczmer Chief Risk Officer and EVP, Risk and Platforms

Aaron Karczmer serves as PayPal’s Chief Risk Officer and Executive Vice President, Risk and Platforms. In this role, Aaron leads the front-line risk, core platforms, as well as entity management and oversight teams. Front-line risk teams have direct responsibility for managing fraud, brand and seller risk, as well as for fulfilling PayPal’s commitment to combat money laundering and terrorism financing. Core platforms is dedicated to providing a full spectrum of tools and capabilities that are optimized for internal and external customers. Entity management and oversight teams maintain governance structures to meet business priorities and regulatory expectations in all of the markets in which PayPal operates.

Aaron brings more than 20 years of risk management, law enforcement, legal and compliance experience – with an ongoing focus on leveraging multi-sector partnerships, data and technology – to his role with PayPal. Prior to joining the company in 2016, he 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. In his tenure at American Express, Aaron founded and led the Financial Intelligence Unit and managed complex regulatory orders, and led the design and implementation of policy and methodology frameworks, new technologies 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, responsible for investigating and prosecuting financial crime, data breaches, and cyber-crime. He was also a member of the Firearms Trafficking Unit, leading long-term informant and undercover-based investigations. He also served as a law clerk for the Honorable Samuel Conti, U.S. District Court, Northern District of California.

Aaron is a founding member of the World Economic Forum’s Chief Risk Officers Community which works to advance the global transformation on how private and public institutions approach risk foresight, preparedness and adaptation.

Aaron earned a JD from Stanford Law School and received his Bachelor of Arts in Criminal Justice from John Jay College of Criminal Justice in New York.