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 looking for a dynamic, innovative and cross-functional Head of Merchant Risk in the North America Region to join our Merchant Risk team. In this role, you will report directly to the Global Head of Merchant Risk and work cross functionally; you’ll lead the North America merchant risk policy framework, merchant risk operations and onboarding of Afterpay and CashApp across different segments to deliver against strategic priorities in the region.

The ideal candidate has drive, resilience, versatility, outstanding communication and leadership skills, is well-versed in the risk and payments space, enjoys interdisciplinary collaboration, and knows how to roll out programs across regions in a challenging, vibrant and fast-paced environment.

You Will

• Act as a strategic advisor to senior management, commercial and business partners on underwriting-related matters across different products and deals
• Develop the necessary standards, procedures and policies for ensuring we have a merchant risk onboarding function that can, at scale, review and underwrite complex mid market and enterprise merchants but also small business
• Standardize the approach to underwriting operations, creating efficiencies with continuous improvement of our platform and systems, and elevating the capability of the team
• Develop, define, communicate and implement underwriting strategies and vision in line with the businesses short and long-term strategic objectives with respect to loss ratios, underwriting SLA’s and portfolio performance
• Work in tandem with Sales, Account Management, Business Development, Regulatory Compliance, Data analytics, Consumer Risk Management to accomplish these goals.
• Assist with projects, delegated tasks and participate in committees as needed
• Assist in the day-today operation of the North America underwriting team, which includes but is not limited to: assisting underwriters in proper decisioning of accounts, providing second approvals where required by company guidelines, handling escalations from sales teams
• Providing information to the management team by gathering and summarizing data; preparing reports; making presentations of findings, analyses, and recommendations

You Have

• Minimum 10 years payments acquiring experience in Risk or Underwriting, ideally within a payments or e-commerce business
• Problem solving and decision-making skills with the ability to analyze complex information to identify the key issues/actions and drive to resolution
• Skilled communicator and presenter with the ability to influence and motivate others along with stakeholders. ability to establish credibility and strong partnerships with sales teams and other analytics team members
• Experience in managing change across an organization through clarity of message, command of subject matter and effective delivery
• High attention to detail and ability to multitask
• Exceptional time management skills
• Comfortable working and making impactful decisions in a fast-paced environment
• A skill for identifying the behaviors and signs of risky/fraudulent activity or applications
• Ability to make independent and sound decisions in an unstructured environment
• Ability to prioritize and execute on the highest areas of importance
• Ability to stay calm and positive when dealing with merchant and sales partners inquiries

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 $163,600 - USD $204,500

Zone B: USD $155,400- USD $194,300

Zone C: USD $147,300 - USD $184,100

Zone D: USD $139,000 - USD $173,800

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 

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.

US and Canada EEOC Statement

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, 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, and always assess candidates on an individualized basis.

We’ve noticed a rise in recruiting impersonations across the industry, where individuals are sending fake job offer emails. Contact from any of our recruiters or employees will always come from an email address ending with @block.xyz, @squareup.com, @tidal.com, or @afterpay.com, @clearpay.co.uk.

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.

While there is no specific deadline to apply for this role, on average, U.S. open roles are posted for 70 days before being filled by a successful candidate.