Customer Onboarding Program Development Manager, Cash App

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.

We are looking for a Customer Onboarding Program Development Manager to join Block and support the continued build of our Cash App Customer Onboarding Compliance program. Our mission is to make banking and financial services accessible to the underserved and unbanked by developing an outstanding compliance program to help grow the Cash App business while protecting the broader financial ecosystem and the Company.

You will report to our Customer Onboarding Compliance Program Lead and support the KYC operations team by contributing to the design and effectiveness of preventative measures to ensure detection and ongoing review. You will work with Compliance Leads and other relevant partners to ensure our program complies with all applicable laws and regulations across jurisdictions. You will demonstrate excellent regulatory, process and systems design, data analytics, and documentation abilities.

You will:

• - Stay apprised of regulatory developments, industry trends and Cash App roadmaps to drive decisions
• - Evaluate current operational processes and procedures to ensure compliance with applicable laws, regulations and industry best practices
• - Draft and maintain relevant documentation and content for changes to the program observing regulatory updates, new products, and overall Compliance team policies and procedures
• - Make recommendations for and help implement process improvements and procedure updates across Customer Onboarding
• - Be comfortable with operating in ambiguity and adapting to changing priorities
• - Identify and evaluate customer onboarding requirements for new and existing products or features
• - Communicate the progress of and oversee the end-to-end implementation of each operational change to leadership and stakeholders
• - Work with our technical teams to understand and design analytical methodologies and potential monitoring scenarios for risk mitigation
• - Build tactical and scalable solutions for operational teams to manage compliance tasks and risks
• - Evaluate BSA/AML CDD and EDD requirements for all products or features

Qualifications

You have:

• Operational knowledge in building a sound Compliance program
• Superb organization skills with the ability to manage competing priorities
• A mindset to deliver results proactively, resourcefully, and methodically
• A strong analytical and metrics driven approach to create substantiated solutions
• Knowledge in payment regulations and scheme rules, knowledge of areas of Cards and peer-to-peer payments also ideal
• 8+ years in the compliance industry, with experience in managing customer onboarding programs in the financial industry
• Ability to execute independently and work with team members of all levels
• Strong Regulatory knowledge and industry trends
• Excellent verbal and written communication skills
• Adaptability in an agile and fast-paced environment

Even better:

• Relevant industry certifications (CAMS, CFE, CFCS, and CRCM)
• Experience in Cryptocurrency regulations
• Proven working experience as an operations lead
• Experience with Analytics tools and Looker or Tableau

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.

Zone A: USD $125,600 - USD $153,600

Zone B: USD $116,800 - USD $142,800

Zone C: USD $110,500 - USD $135,100

Zone D: USD $100,500 - USD $122,900

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:

• 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)
• Employee Stock Purchase Program
• Paid parental and caregiving leave
• Paid time off (including 12 paid holidays)
• Paid Life insurance, AD&D, and disability benefits
• Learning and Development resources
• Additional Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources
• Healthcare coverage (Medical, Vision and Dental insurance)
• Retirement Plans including company match
• Health Savings Account and Flexible Spending Account
• Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance

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.

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.