Technical Product Manager - Bank Rails

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
The Financial Platform team at Block is dedicated to building and maintaining the core financial platform that power the company's products. This team is responsible for ensuring the reliability, scalability, and security of the financial infrastructure. The mission of the Financial Platform team is to create a robust and innovative financial platform that supports the diverse needs of our stakeholders within Block. Team members work on a variety of projects, including payment credential issuance, payment processing systems, financial reporting tools, money movement, and compliance frameworks. They collaborate closely with other engineering teams, product managers, legal partners, business partners, and other stakeholders to deliver high-quality financial services.
We are seeking a deeply technical and highly-skilled Product Manager to join our team and drive the Financial Platform's Technical Product Management Strategy within non-card money flows which covers direct deposit, wire transfers, check deposit, bill pay, bringing a robust understanding of the intersection between platform capabilities and banking product services. This role presents a unique opportunity to influence and drive the platform strategy, at a time where Cash is growing its user base across these areas.
Within the Financial Platform bank rails domain, the team ensures the financial infrastructure that supports the banking products runs reliably, flexibly, and can scale quickly. Additionally, the team supports Square across our checks and bill pay services. As a Product Manager for Cash App's Financial Platform, you will be responsible for developing the core capabilities that help Financial Platform customers ship remarkable banking products. You will develop strong comprehension of NACHA rules, and understanding of the complexities of those requirements in order to effectively balance with partner asks. Furthermore, there are ongoing financial innovations and new regulatory asks that continue to create opportunities for Cash, by ensuring we understand the right moments to lead or follow industry best practices. This will be an important area to build a strategy for our platform and set the vision for the next 3-5 years.
You will also be responsible for driving the enhancement of Financial Platform's Bank Rails infrastructure to integrate seamlessly and efficiently with new partners across all key areas of our banking stack, e.g. Sponsor Banks and 3rd party vendors, managing upstream and downstream impacts, as well as creating partner-agnostic APIs that still feel bespoke to individual use cases.
You will drive platform initiatives from inception through execution. You'll identify opportunities to consolidate and improve capabilities and drive adoption to help all our customers and teams go faster. You'll look ahead of our current state to anticipate the future needs of Cash App's Banking business, and build to get us there. In this role you will collaborate closely with cross-functional teams including Engineering, Financial Operations & Partnerships, Product Data Science, and upstream Consumer-facing Product teams to define product requirements, prioritize features, and ensure successful delivery.
You Will

• Drive adoption, usage and performance of Financial Platform's Bank Rails capabilities
• Have the technical chops to transform business requirements to technical guidance, partnering closely with engineering teams to define a vision for core platform capabilities, considering industry and technology trends.
• Own OKRs and build a roadmap for your platform capabilities based on the needs of future financial product launches, and our ambitions for scale and speed to market
• Own key metrics (KPIs) of the platform's adoption and performance, and work to develop a measurement feedback loop into the roadmap to continuously improve
• Influence key stakeholders throughout Block in order to align intent, team capacity, and prioritization across the most important business priorities
• Operate cross-functionally within our matrix-based organization and team structure, and build strong partnerships both within Cash App and Square Banking as you collaborate with Engineering, Financial Operations, Consumer Product and Data Science teams, to drive product development efforts, ensuring alignment with business objectives and timelines.
• Foster an environment that enables the team to execute quickly while maintaining a high standard for quality
• Manage the entire platform product lifecycle from ideation, to planning, execution and launch
• Develop, execute and continually refine the Bank Rails platform North Star product strategies, aligned with Cash App and Financial Platform's overall business goals and objectives.
• Coordinate release activities, including feature rollout, testing, and documentation, to ensure successful product launches.
• Identify and mitigate risks associated with Bank Rails platform product development and delivery, ensuring compliance with regulatory requirements and industry standards.
• Communicate product updates, milestones, and priorities to internal stakeholders and external partners, fostering transparency and alignment, on a regular cadence

You Have

• 8+ years experience in Technical Product Management in the Financial Technology industry, with a focus on US banking platform products for large-scale & feature-rich card programs
• Experience driving platforms and systems including experience with building 0-1 platforms
• Knowledge of regulatory requirements and compliance standards in the banking industry, with specific focus on NACHA rules
• Strong understanding of software development methodologies, tools, and processes.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
• Solid analytical and problem-solving abilities, with a data-driven approach to decision-making.
• Experience with Agile/Scrum methodologies and project management tools.
• Ability to manage multiple priorities simultaneously with ease.

Additional Information
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. 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, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

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:
$180,000 - $270,000 USD
Zone B:
$171,000 - $256,600 USD
Zone C:
$162,000 - $243,000 USD
Zone D:
$153,000 - $229,600 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. Check out benefits at Block.
Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, and TIDAL, 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.