Business Product Compliance Manager, Lending at Block - Bay Area, CA

Join Block's innovative team as a Business Product Compliance Manager, Lending in the Bay Area, CA. This senior-level role offers a chance to shape compliance strategies for Square's Lending products, including the Square Credit Card. With Cash App's evolution into a dynamic financial ecosystem serving 50+ million users, Block is redefining money management. Apply now for this remote-friendly position!

Role Overview

The Business Product Compliance Manager, Lending role at Block is pivotal in ensuring robust compliance for lending products. Reporting to the Lending Product Compliance Lead, you'll act as a strategic advisor to business teams, defining launch requirements, controls, and lifecycle support. This includes risk assessments, audits, policy documentation, and regulatory change management. As a key decision-maker, you'll collaborate with product teams, bank partners, engineering, design, and legal to maintain world-class compliance programs.

Square Lending, including the Square Credit Card, demands expertise in navigating complex regulations like AML/BSA, TILA, Reg Z, FCRA, and ECOA. Ideal candidates thrive in fast-paced environments, embedding with product teams while providing oversight on issues management, testing, model risk, and complaints. Block's distributed culture supports remote work across operating countries, fostering innovation and impact.

This position is perfect for seasoned compliance professionals passionate about fintech lending. Gain exposure to cutting-edge products while influencing Block's compliance posture in a collaborative setting.

Key Responsibilities

As a Business Product Compliance Manager, Lending, your day-to-day will involve:

• Partnering with Product and Regulatory Counsel to map legal obligations for new features.
• Designing and documenting mitigating controls aligned with regulations.
• Embedding with product teams to align compliance with strategic visions.
• Identifying control gaps and leading remediation efforts.
• Building risk and control inventories with compliance partners.
• Overseeing issues management, testing, monitoring, and governance.
• Managing regulatory exams, audits, and risk assessments.
• Handling complaints and ensuring timely resolutions.
• Collaborating with bank partners on compliance program development.
• Providing metrics-driven compliance recommendations.
• Supporting credit decisioning policies and model risk management.
• Driving policy, standard, and procedure documentation.
• Monitoring regulatory changes and implementing updates.

These responsibilities demand a proactive, influential leader who can balance innovation with regulatory adherence.

Qualifications

To succeed, you need:

• 8+ years in compliance, preferably payments and lending.
• Expertise in AML/BSA, UDAP/UDAAP, TILA, Reg Z, MLA, FCRA, ECOA.
• Direct experience partnering with product teams.
• Strong skills in oversight of testing, monitoring, issues, and complaints management.
• Knowledge of credit decisioning and model risk.
• Proven collaboration with banks, product, engineering, design, legal.
• Metrics-driven mindset for solutions.
• Operational savvy to support partners.
• Influence and communication skills.
• Degree in relevant field preferred.

Block values diverse backgrounds; prior fintech experience is a plus.

Salary & Benefits

Salary ranges from $180,000 to $250,000 USD yearly, based on experience, plus equity. Benefits include comprehensive health coverage, 401(k) match, unlimited PTO, parental leave, wellness reimbursements, professional development stipends, and more. Block's remote-first culture ensures flexibility.

Why Join Block?

Block, born from a 2013 idea, powers Cash App's ecosystem for sending, spending, investing, borrowing, and saving. With thousands of global employees, our distributed model promotes creativity and productivity. Join a culture of innovation, collaboration, and impact. Tailored experiences keep teams happy, whether remote or in-office. As a leader in fintech, Block offers growth in lending compliance amid regulatory evolution. Contribute to accessible finance for millions.

Bay Area location provides access to tech hubs, with remote options. Block's commitment to diversity, equity, and inclusion creates an inclusive environment. Advance your career shaping compliant, innovative products.

How to Apply

Ready to drive compliance at Block? Submit your resume and cover letter highlighting lending compliance experience. Interviews include technical discussions on regulations and behavioral scenarios. Block is an equal opportunity employer. Apply today to join our mission!

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