Company Description

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 47 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.

Check out our locations, benefits, and more at cash.app/careers.

Job Description

Key Responsibilities

The Senior Fraud Manager and the Fraud Decision Science team are directly responsible for all aspects of fraud management for consumer abusive overdue loss and unauthorized loss (ATO and stolen financial) including but not limited to:

• Lead and manage the Fraud team with effective leadership, ability to hire and retain talented staff, ability to train and develop a team in fraud expertise with healthy hierarchy
• Be able to foster a strong team culture (high-trust, selfless, dedicated, diverse, fun, etc), under which working environment the team are best motivated to achieve satisfied performance
• Lead the team to monitor and manage abusive overdue loss and unauthorized fraud loss KPI in healthy status
• Develop fraud management decision science vision, data models, and strategy that is aligned to organizational / company priorities
• Guide the team to own, design, and manage the direction for all fraud prevention, detection and response strategies that balances fraud controls, growth and customer experience
• Organizes and structures the team in a way that leads to strong collaboration with key partner teams (Product, Engineering, Operations) and drives impactful outcomes

Qualifications

• Master degree or above in Mathematics, Statistics, Engineering, Computer Science, Finance or related fields
• 8+ years of fraud management experience in payment and BNPL related industries
• 2+ years people management experience across a global organization, with hands-on experience building diverse teams while promoting an inclusive organization
• A strong knowledge of fraud management/investigative processes; knowledge of fraud tools and models; knowledge of BNPL industry
• Proficiency in relevant data science and machine learning tools and techniques such as SQL & Python, data analytics, dash boarding & data model creation.
• Ability to operate effectively across a matrixed business environment.
• Strong focus and record of execution
• Excellent verbal and written communication skills; Excellent storytelling and presentation skills.
• Strong leadership, strategic thinking, and large-scale planning abilities

Additional Information

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.

Our team is open to hiring managers who have lead teams of six or more, with a strong index on expressing building models for Fraud and Risk use cases. We are open to two levels of seniority across the following pay bands:

Zone A: USD $180,000 - USD $225,000
Zone Other: USD $171,000 - USD $210,000

Zone A: USD $217,800 - $270,000
Zone Other: USD $217,800 - $270,000

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.

Full-time employee benefits include the following:

• Healthcare coverage (Medical, Vision and Dental insurance)
• Health Savings Account and Flexible Spending Account
• Retirement Plans including company match 
• Employee Stock Purchase Program
• Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance 
• Paid parental and caregiving leave
• Paid time off (including 12 paid holidays)
• Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees) 
• Learning and Development resources
• Paid Life insurance, AD&D, and disability benefits 
• Additional Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources 

These benefits are further detailed in Block's policies. This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

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, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other 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 a workplace that is fair and square? Check out our I+D page.

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.