Staff Data Scientist, Risk - Transfers

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
Since Block's inception, our innovative and technology-forward approach to risk management and customer protection has been fundamental to how we invent and build financial products. This commitment has not only created one of Block's strongest competitive advantages but has also significantly expanded access for our customers across the Square, Cash App, and Afterpay platforms. The Risk team at Block continues this legacy through a sophisticated, technology and science-led approach to protecting our customers and their funds. Our interdisciplinary structure combines Product Development, Science teams (specializing in modeling, analytics, and data science), Operations and key partners including Legal Counsel and Policy teams, all working in concert to identify, assess, and solve complex risk challenges across fraud prevention, credit risk, and compliance.
In this role, you'll be embedded within the Trust & Risk Data Science team, collaborating with cross-functional partners to drive strategy through advanced statistical techniques. You'll be part of a broader ecosystem where multiple workstreams converge to declare, discover, and develop sophisticated product solutions to build lasting customer trust. Given that our trust and risk systems are fundamental to both company operations and user protection, this position requires a strong sense of urgency and deep appreciation for how our work directly impacts the customer experience across our entire product portfolio.
You Will

• Analyze large datasets using SQL and scripting languages to surface actionable insights and opportunities to the product team and other key stakeholders
• Approach problems from first principles, using a variety of statistical and mathematical modeling techniques to research and understand customer behavior
• Design and analyze A/B experiments to evaluate the impact of changes and optimize the Transfers product area
• Work with engineers to log new, useful data sources to reflect our product features
• Build, visualize and report on metrics that drive strategy and facilitate decision making for key business initiatives
• Write code to effectively process, cleanse, and combine data sources in unique and useful ways, often resulting in curated ETL datasets that are easily used by the broader team
• Effectively present your work with senior leaders and cross-functional stakeholders on a regular basis

We're Targeting

• A Level 7 hire - typical experience for L7 would be something like BSc with 12+ years, MSc with 8+ years or a PhD 6+ years
• A background in Statistics, Mathematics, Biostatistics, Economics or related quantitative field
• Previous exposure to or interest in areas like finance or strategy
• Advanced proficiency with SQL and data visualization tools (e.g. Tableau, Looker, etc)
• Extensive experience with scripting and data analysis programming languages, such as Python or R
• Deep familiarity with cohort and funnel analyses, a well-developed understanding statistical concepts such as selection bias, probability distributions, and conditional probabilities

Technologies We Use and Teach

• SQL, Snowflake, etc.
• Python (Pandas, Numpy)
• Tableau, Airflow, Looker, Mode, Prefect

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
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.