Lending Regulatory Counsel

The Role
Block's US Regulatory Team sits at the intersection of financial services, licensing, and government relations, and is charged with ensuring that Block comply with the law and maintain strong relationships across a growing portfolio of federal and state regulators. The team advises on consumer and commercial lending, bank partnership arrangements, and the regulatory relationships that underpin them, working closely with business partners to ensure Block's lending products meet the highest standards of legal and regulatory compliance.
Block is looking for a highly engaged regulatory counsel with experience advising on state and federal lending laws, including navigation of bank partnership issues. This role will serve as a subject matter expert on consumer and commercial lending regulation, lead resolution of complex, cross-functional regulatory and bank partnership issues, and act as a trusted advisor to senior business, product, and compliance stakeholders as Block continues to build and scale novel consumer financial products.
You Will

• Provide legal and regulatory advice on our products to members of the Counsel team and business partners on lending regs, including Reg Z, Reg B, Fair Lending, and state lending licensing regulations
• Act as a subject matter expert for and advise on legal, regulatory, and industry requirements for consumer and commercial lending, bank partnership arrangements, model risk management and related financial services activities
• Lead resolution of complex, cross-functional regulatory and bank partnership issues, exercising independent judgment in evaluating risk, trade-offs, and escalation paths
• Serve as a trusted advisor to senior business, product, compliance, and bank partner stakeholders, translating legal and regulatory risk into clear, actionable guidance
• Summarize and analyze the impact of new and evolving rules and regulations, and proactively flag implications for the business
• Provide legal support and strategic input on emerging and novel consumer financial products, helping shape product development from concept through launch

You Have

• 8+ years of experience at a law firm (with lending advisory experience), a financial services regulatory agency, in a bank partnership role, or in-house
• Substantive experience with lending and bank partnership issues/relationships
• Demonstrated ability to independently lead and drive complex legal and regulatory issues to resolution
• Experience engaging directly with senior stakeholders across legal, compliance, product, and business teams
• Experience with emerging or novel consumer financial products preferred
• Fair lending experience a plus
• Experience with FinTech, lending, and bank partnership relationships; experience at a tech company or in fintech preferred
• High degree of comfort and fluency with technology, and understanding of how technology is applied to business and regulatory problems
• JD and an active membership and good standing with the Bar of resident state and/or the California Bar or New York Bar

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:
$217,800 - $326,800 USD
Zone B:
$202,600 - $303,800 USD
Zone C:
$191,700 - $287,500 USD
Zone D:
$185,200 - $277,800 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.