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.

We are seeking a dynamic and experienced professional to join our team as the Head of Risk Operations. This pivotal role will oversee multiple groups including Fraud Operations, Credit Risk Underwriting & Operations, Disputes & Chargebacks Operations, and Collections & Recovery Operations. The ideal candidate will possess a strategic mindset, exceptional leadership skills, strong communication skills with the ability to build partnerships and influence others, and a proven track record in risk management within the financial industry.

You will: 

• Lead and oversee various departments within the Risk operations team, ensuring efficient and effective operations across all functions.

• Drive initiatives to enhance productivity and quality, leveraging advancements in technology, including AI, to optimize operational workflows.

• Establish and monitor key metrics to measure team performance, track progress, and achieve organizational goals.

• Collaborate closely with cross-functional teams including Risk product, policy, engineering, design, Sales & Account Management, and data to develop and implement comprehensive risk management strategies.

• Ensure compliance with regulatory requirements and industry standards, and actively contribute to the development of policies and procedures.

• Manage multi-site operations, including Business Process Outsourcing (BPO), to support operational scalability and efficiency.

• Work closely with teams across Square to ensure new products are launched safely, our sellers have a remarkable experience through their entire lifecycle and Square is meeting regulatory and audit requirements. 

• Seek out trends in risk management and their applicability to the Square business model. In addition, stay current on innovative business and technology trends in payments and lending in order to advise senior leadership on operational risk initiatives. 

• Lead or contribute significantly to overarching strategies related to fraud prevention, disputes management, credit risk, and other risk-related areas.

You have:

• A relevant BA/BS degree. MBA a plus.

• 10+ years of experience in the financial industry, with a focus on risk assessment, management, fraud prevention, disputes/chargebacks, credit risk or payment processing.

• Experience leading and managing large-scale teams.

• Demonstrated success in overseeing organizations of 100+ individuals.

• Proven experience in a technology-driven environment with a history of rapid growth and expansion into new markets.

• Strong strategic thinking and analytical skills, with a demonstrated ability to apply data-driven insights to improve operational effectiveness.

• Excellent written, oral and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action.

• Passion for leveraging new technologies, including AI, to enhance operational efficiency and mitigate risks.

• Experience leading high-performing teams and developing future leaders through mentorship and coaching.

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.

All zones: USD $263,600 - USD $395,400

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.

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.

We’ve noticed a rise in recruiting impersonations across the industry, where individuals are sending fake job offer emails. Contact from any of our recruiters or employees will always come from an email address ending with @block.xyz, @squareup.com, @tidal.com, or @afterpay.com, @clearpay.co.uk.

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.

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.