Credit Reporting Disputes Program Lead

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 50+ 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.
The Role
Our Risk Programs Enablement & Oversight team owns the programs behind how Block investigates and resolves consumer disputes across Cash App, Afterpay, and Square. We are adding a named owner for our consumer reporting and furnisher disputes program under the Fair Credit Reporting Act (FCRA). You will own that program end to end, you will build it through partners in Product, Engineering, Data, Customer Operations, and Legal rather than through a large direct team.
You Will

• Block is setting up a CRA for the first time, to support the launch of our new Cash App Credit Score. Your role will be to own our furnisher and consumer reporting disputes program end to end - written policies and procedures, control design, monitoring and testing, training, and periodic review.
• Define what a reasonable investigation means at Block, and hold that standard consistently across both direct and indirect consumer disputes.
• Design the remediation path for inaccurate data, tracing a correction from the originating event data through downstream data stores and into the reports and scores that rely on it, and partner with platform, data engineering, and modeling teams to implement it.
• Build the workflow constructs this program needs and Block does not have today - data correction as a resolution outcome, investigative processes, and customer notifications.
• Investigate recurring data defects to root cause and resolve them upstream with the teams that own the source data, rather than correcting the same records repeatedly
• Represent our consumer reporting program to our regulators, and keep the program examination ready.
• Advise product and engineering teams as they design new features, so that reporting accuracy and data correction obligations are built in from the start rather than retrofitted.

You Have

• 12+ years of furnisher or consumer reporting compliance experience under FCRA and Regulation V at a bank, fintech, card issuer, or lender
• A record of building or materially reshaping a data accuracy and integrity program
• Familiarity with modern credit modeling infrastructure, and experience partnering with modeling, data engineering, and platform teams to carry dispute investigations and data corrections through to the underlying data
• Experience with FCRA private-right-of-action litigation, working alongside legal counsel
• Working knowledge of the regimes adjacent to FCRA - Fair and Accurate Credit Transactions Act (FACTA) Red Flags, Equal Credit Opportunity Act and Regulation B adverse action, the Military Lending Act and the Servicemembers Civil Relief Act, Regulation E, Regulation Z, and material state credit reporting statutes
• Experience presenting to and engaging with the CFPB, FTC, or state examiners
• A record of advancing cross-functional programs without direct authority, partnering with product, engineering, operations, and legal teams as peers
• Helpful, though not required: familiarity with specialty consumer reporting agencies alongside the nationwide bureaus; prior supervisory or enforcement experience at the CFPB, FTC, or a state attorney general's office; a CRCM, CIPP, or comparable certification; experience in a multi-brand consumer finance environment

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 an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.
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 .
While there is no specific deadline to apply for this role, U.S. roles are typically open for an average of 55 days before being filled by a successful candidate. Please refer to the date listed at the top of this job page for when this role was first posted.
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.
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.
Zone A:
$239,600 - $359,400 USD
Zone B:
$239,600 - $359,400 USD
Zone C:
$239,600 - $359,400 USD
Zone D:
$239,600 - $359,400 USD
Application Guidelines
Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.
Use of AI in Our Hiring Process
We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.
Contact us here with hiring practice or data usage questions.
Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. Check out our other benefits at Block.
Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we're helping build a financial system that is open to everyone.