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 47 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.

Check out our locations, benefits, and more at cash.app/careers.

The Payments Team at Cash App & Afterpay is responsible to build and maintain a resilient, optimized, and innovative payments ecosystem, ensuring that customers can seamlessly move money into and out of Cash App. We identify and drive strategic initiatives to enhance our payments platform and partner with the product development teams to build best in class payments infrastructure. Our day to day work includes monitoring, triage, and investigation for payment success, cost validation and reporting, scheme rules and post-transaction flows. Reporting to the Acquiring Operations Manager, you’ll be responsible for driving operational excellence for our complex ecosystem of gateways and acquirers. This includes identifying and driving strategic optimizations, investigating and problem solving, and participating in cross-functional initiatives aimed at driving payment acceptance and building trust. We’ll rely on you to advocate for a healthy payments ecosystem for our customers and our partners, finding new innovative solutions that position Cash App for future success and growth. 

You will: 

• Manage payment operations across multiple acquirers, gateways, networks, and product types.
• Partner closely with our Product Data Science and Financial Platform Engineering teams to maintain and iterate on our data analytic tools which support KPIs for payment success rates. 
• Triage and investigate reported payments escalations across multiple channels, while providing timely and accurate responses to our internal and external partners.
• Enjoy getting into the weeds to deeply understand our systems to address day-to-day needs and also look for patterns or gaps which may lead to more strategic opportunities.
• Design and monitor reporting that capture deep insights related to processing performance, including both payment industry standards, as well as Cash-specific metrics. 
• Partner and collaborate internally across multiple stakeholders (including data science, product, legal, finance, and engineering) to scope, influence, and drive implementation of optimizations and new payment ideas.
• Be a proactive executor and have a bias to action, working autonomously and with our internal and external partners to jump into the details and problem solve. 
• Become an expert in core payments and support infrastructure, tools, systems, and data

• 5+ years experience in the payments industry at either a bank, acquirer, fintech, or similar
• Strong understanding of the end-to-end payments ecosystem, including payment methods, card networks and rules, acquiring and processing, and the regulatory environment. 
• Experience working cross-functionally with Payment Partnerships, Finance, Data Science, Product and Engineering to identify, evaluate, and size opportunities in order to effectively prioritize work.
• Experience driving continuous improvement projects, where you’ve applied deep knowledge to uncover and execute both short and long term optimizations.
• Exposure to and experience working with multiple external partners in the payments supply chain. 
• Strong business analytic skills, including the ability to use data to drive and influence business requirements.
• Excellent business acumen, communication skills, and self starting attitude.
• Proficiency with analytics platforms (Mode, Tableau, Looker), expert in a spreadsheet (Google Docs, Excel), and SQL skills greatly preferred.
• Experience working in an ambiguous space and driving projects from ideation to launch.

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 base salary ranges may be modified in the future.

Zone A: USD $122,900 - USD $184,300
Zone B: USD $116,700 - USD $175,100
Zone C: USD $110,600 - USD $165,800
Zone D: USD $104,500 - USD $156,700

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.

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.

Block will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and “fair chance” ordinances. Because the material duties of this role involve direct or indirect access to sensitive personal or financial data, a criminal background check is required following a contingent offer of employment.

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.