Consumer Protection Program Manager

Company Description
Block is one company built from many blocks, all united by the same purpose of economic empowerment. The blocks that form our foundational teams - People, Finance, Counsel, Hardware, Information Security, Platform Infrastructure Engineering, and more - provide support and guidance at the corporate level. They work across business groups and around the globe, spanning time zones and disciplines to develop inclusive People policies, forecast finances, give legal counsel, safeguard systems, nurture new initiatives, and more. Every challenge creates possibilities, and we need different perspectives to see them all. Bring yours to Block.
Job Description
We are looking for a Consumer Protection Compliance Program Manager to join the Square Compliance team and support the Consumer Protection program. You will oversee systems, processes, and controls that support compliance with laws, rules, and regulations surrounding consumer protection and Square's Lending Products. You have experience working with cross-functional partners in managing effective credit dispute and complaint oversight processes. You will report to the Consumer Protection Compliance Program Lead.

• Manage the credit dispute oversight process for our Square Lending products, including dispute SLA reporting, dispute complaints analysis, and drive identified remediation
• Work with cross-functional partners to evaluate for consumer financial protection protection issues across Cash App Borrow and Afterpay
• Represent compliance in meetings with legal, business, operations, technology and other stakeholders
• Provide guidance for compliance policies, procedures, and training
• Oversee the resolution of identified issues as part of the issues management program
• Provide support with action plans created as a result of examinations, audits, or internal testing
• Work with the business and compliance colleagues to identify potential issues, trends and emerging risks

Qualifications

• 5+ years in a compliance role in the financial services industry, ideally with experience in payments and lending compliance.
• Knowledge of and expertise with consumer protection rules and regulations, including those maintained and enforced by the Consumer Financial Protection Bureau and/or other U.S. federal and state consumer protection regulatory agencies
• Have a strong understanding of laws and regulatory requirements pertaining to Cash App's Lending products, including UDAAP, Truth in Lending Act (TILA), Regulation Z, Military Lending Act (MLA), Fair Credit Reporting Act (FCRA), and Equal Credit Opportunity Act (ECOA)
• Familiarity with controls and processes related to handling consumer issues in the financial services industry, including UDAAP, disputes and complaints, fraud prevention
• Excellent written and verbal communication skills, with the ability to summarize observations and present in a clear, concise manner to senior management
• Expertise in delivering high-quality data-driven work products in a fast pace, agile work environment

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 $111,700 - USD $167,500
Zone B: USD $103,800 - USD $155,800
Zone C: USD $98,200 - USD $147,400
Zone D: USD $89,400 - USD $134,000
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

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.
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.
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.