SAR Investigator, Square

Company Description
Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality through Afterpay, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.
Job Description
The Financial Crimes team at Square actively monitors for potential money laundering, fraud, and other suspicious activity. As a Suspicious Activity Report (SAR) Investigator for high-risk typologies, you will conduct investigations, analyze transaction activity and trends, as well as write and review SARs.
You will:

• Review escalations of unusual transactions, conduct investigations, and document incidents of potential financial crimes - including but not limited to money laundering and fraud, as well as high-risk activity
• Write and review Suspicious Activity Reports
• Monitor industry trends, evolving financial crimes related typologies, negative news, and regulatory enforcement orders/regulatory changes that could improve Square's Financial Crimes program.
• Maintain an understanding of Square products and ensure adherence to relevant compliance policies and procedures
• Work in collaboration with Support, Risk, and other operations teams within Square, as needed.

Qualifications
You have:

• 4+ years experience in AML/CFT or Fraud related work, of which includes 1+ year experience working high-risk typologies in the payments space.
• 3+ years of current Suspicious Activity Reporting experience - writing clear and detailed reports with accuracy and precision
• Experience investigating high-risk typologies such as terrorist financing, human trafficking, child sexual abuse material/child exploitation, elder financial exploitation, scams, etc.
• Experience analyzing financial data across numerous financial products or customer accounts as part of AML or fraud investigations.
• Strong investigative skills, including familiarity with public record research and database tools.
• Familiarity with relevant BSA/AML laws and regulations and industry best practices
• An ability to handle sensitive directives.

Even better:

• Experience with SQL, Python, Looker, Tableau, Excel (can perform complex functions, including query writing) or other data analysis tools.
• Experience working with law enforcement, NGOs, as well as other external banking and/or intelligence partners.
• One or more of the following AML/CFT Certifications: ACAMS, ACFCS, etc.

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 $101,500 - USD $152,300
Zone B: USD $94,400 - USD $141,600
Zone C: USD $86,300 - USD $129,500
Zone D: USD $76,200 - USD $114,200
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.
United States 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.
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.
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.