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.

We are seeking a highly skilled and experienced Model Governance Manager to join our dynamic Machine Learning team at Cash App. As the Model Governance Manager, you will be charged with overseeing the development, implementation, and maintenance of robust model governance frameworks and policies. You will partner with machine learning modelers and engineers to establish governance requirements, build process guidelines, conduct model risk analyses, and co-design automation and tooling to ultimately improve business performance and decision making. Your impact will be instrumental in ensuring compliance with regulatory requirements, internal guidelines, and best practices while managing model risk and AI fairness.

You Will

• Develop and implement a comprehensive model and data governance framework that aligns with regulatory guidelines, industry standards, information security best practices, and Cash App's strategic objectives.
• Establish and enforce policies and procedures for data governance as well as model development, validation, implementation, and ongoing monitoring.
• Collaborate with cross-functional teams, including machine learning engineers, product managers, compliance officers, and senior management, to ensure effective model governance practices throughout the organization.
• Conduct thorough assessments of model risk, including identifying, measuring, and mitigating potential risks and biases associated with models.
• Lead the validation and approval process for new models or changes to existing models, ensuring proper documentation and compliance with internal and external requirements.
• Monitor the performance and effectiveness of models, conducting periodic reviews and audits to assess model accuracy, stability, and ongoing suitability.
• Design processes, automation, and software tooling to minimize operational risk and maximize efficacy of model governance framework.
• Stay abreast of emerging industry trends, regulatory changes, and advancements in model risk management to enhance Cash App's model governance practices.
• Collaborate with internal audit and regulatory compliance teams to facilitate model-related audits, examinations, and reporting requirements.
• Provide guidance and training to stakeholders, including model developers and business teams, on model governance best practices, policies, and procedures.
• Support regulatory reporting requirements related to model governance and risk management.

You Have

• Bachelor's degree in a quantitative field such as Mathematics, Statistics, Economics, or related disciplines. Advanced degree preferred.
• Minimum of 3 years of experience in model governance, model risk management, or related roles within the financial services industry, preferably in consumer lending or fintech.
• In-depth knowledge of regulatory guidelines and best practices pertaining to model risk management, such as SR 11-7/OCC 2011-12, or similar frameworks.
• Advanced understanding of data governance and regulatory requirements, such as GDPR, CCPA, Fair Credit Reporting Act (FCRA), the Consumer Financial Protection Bureau (CFPB) guidelines, or other similar frameworks to ensure adherence to data management best practices and compliance.
• Strong understanding of model development, validation, and implementation processes, including statistical modeling techniques, data governance, and model documentation standards.
• Strong understanding of AI fairness concepts, including disparate impact analysis, bias mitigation techniques, and fairness metrics.
• Proven track record of driving complex technical projects, especially in the context of a software development organization.
• Familiarity with consumer lending products, credit risk assessment models, and relevant regulatory requirements (e.g., Fair Lending, Truth in Lending Act, etc.).
• Excellent analytical and problem-solving skills with a keen attention to detail.
• Strong communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams and influence stakeholders at various levels.
• Proficiency in programming languages (e.g., Python, R) and data manipulation tools (e.g., SQL) preferred.

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.

Zone A: USD $184,100 - USD $225,000
Zone B: USD $174,900 - USD $213,700
Zone C: USD $165,700 - USD $202,500
Zone D: USD $156,400 - USD $191,200

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.