Business Product Compliance Manager, Lending

It all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 50+ million monthly active customers. We want to redefine the world's relationship with money to make it more relatable, instantly available, and universally accessible.
Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We've been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.
The Role
The Business Product Compliance and Partnerships team serves as strategic compliance advisors to Block business teams, partnering with them to define product launch requirements, identify corresponding controls, and provide ongoing compliance support throughout the product lifecycle. This involves support efforts such as ongoing risk assessments, audits/exams, documenting Policies, Standards, Procedures, and Regulatory Change Management. Product Compliance Managers (PCMs) are key decision makers on compliance controls and recommendations to Product teams. Additionally, PCMs work closely with partner banks to help build and maintain world-class compliance programs for affiliated products.
We are seeking a PCM to support Square's Lending compliance program. In this role, reporting to Block's Lending Product Compliance Lead, you will drive a strong compliance posture for Square's Lending products, including the Square Credit Card. The ideal candidate has experience working directly with product teams on a day-to-day basis, while also being able to provide effective oversight and governance of key compliance activities such as issues management, testing and monitoring, policies and procedures, regulatory exam management support, complaints management, as well as credit decisioning policies and model risk management. Lastly, it is critical the candidate is a great, collaborative partner, who has experience working with Bank Partners, Product, Engineering, Design and Legal teams.
You Will

• Partner with Product and Regulatory Counsel to understand the Legal obligations associated with new products and features
• Identify, document and support the design of strong, mitigating controls in accordance with Legal requirements
• Be embedded with Product partners, understanding their strategic vision, and providing strategic compliance advice and support
• Identify product gaps in controls and collaborate on compliant remediation plans
• Work with other Compliance partners to identify, document, and develop an inventory of risks and controls for the Square Lending products

You Have

• 8+ years in the compliance industry, ideally with experience in payments and lending compliance
• Strong regulatory knowledge, specifically in areas pertaining to AML/BSA, UDAP/UDAAP, Truth in Lending Act (TILA), Regulation Z, Military Lending Act (MLA), Fair Credit Reporting Act (FCRA), and Equal Credit Opportunity Act (ECOA)
• A metrics-driven approach to create substantiated solutions
• Operational knowledge in strongly support our Product partners
• Ability to influence others and gain support around compliance goals
• Work with team members of all levels

We're working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, based solely on the core competencies required of the role at hand, and without regard to any legally protected class. We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we're doing to build an inclusive workplace? Check out our Inclusion & Diversity page
Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate's starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.
To find a location's zone designation, please refer to this resource . If a location of interest is not listed, please speak with a recruiter for additional information.
Zone A:
$171,800 - $257,600 USD
Zone B:
$159,800 - $239,600 USD
Zone C:
$151,200 - $226,800 USD
Zone D:
$142,600 - $213,800 USD
Use of AI in Our Hiring Process
We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.
Contact us here with hiring practice or data usage questions.
Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. Check out our other benefits at Block.
Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we're helping build a financial system that is open to everyone.