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 Crimes organization serves as the guardian of Block's ecosystem, ensuring that our platforms remain secure and trusted while advancing our mission of economic empowerment. We protect our customers' ability to participate in the economy while preventing criminal abuse of our systems, maintaining the integrity of both traditional and cryptocurrency transactions, and enabling responsible financial innovation.
The Customer Onboarding & Appeals team is part of the Financial Crimes organization. This team is essential to protecting Block’s ecosystem by developing and managing protocol that enable secure customer onboarding (e.g. customer identification and verification, merchant access), ongoing monitoring including EDD processes, and safe and compliant account restoration for customers returning to the platform while protecting Block from increased risk relating to financial crimes, money laundering, fraud, and terrorist financing.
Candidates for this role will have the opportunity to be placed within the Customer Onboarding & Appeals team supporting KYC Policy, KYC Advisory, and overall BSA/AML Program Management with an emphasis on Identity Verification and EDD processes.
The KYC Policy and Strategy Manager plays a vital role in developing and maintaining the organization's Know Your Customer (KYC) program, and ensuring alignment with regulatory requirements and business objectives. This position combines policy expertise with practical implementation, working across business lines to enhance KYC processes while maintaining regulatory compliance.
You Will:
You will own and support the following pieces of the Customer Onboarding and Appeals team:
Policy Development and Management
- Lead the development, review, and maintenance of KYC policies and standards
- Monitor regulatory changes and assess their impact on existing KYC frameworks
- Develop and maintain supplementary guidance documents and FAQs
- Ensure alignment between global standards and local regulatory requirements
- Review and process exception requests to KYC standards
Program Implementation
- Partner with cross-functional teams to implement KYC requirements effectively
- Advise compliance technology teams on policy requirements affecting KYC solutions
- Monitor KYC metrics to assess program effectiveness
- Support the evaluation and enhancement of KYC controls
- Coordinate with training teams to ensure accurate content development
Stakeholder Management
- Collaborate with legal, audit, and risk management teams
- Provide subject matter expertise to business units and support teams
- Participate in governance forums and working groups
- Support regulatory examinations and internal audits
- Build and maintain relationships with key stakeholders across the organization
Risk Management
- Assess and identify potential KYC compliance issues
- Monitor emerging compliance risks and regulatory trends
- Review and analyze KYC metrics and program performance
- Contribute to risk assessment processes
- Support issue remediation efforts
- Monitor adherence to established standards and procedures
- Analyze program effectiveness through data review and stakeholder feedback
- Identify opportunities for process improvement
- Track and report on key performance indicators
You Have
- 8+ years in a BSA/AML/KYC compliance and/or compliance operations role with a financial services firm, preferably in payments or Fintech
- Track record of influencing enterprise-wide compliance programs
- Experience providing guidance on complex regulatory matters to executive leadership
- A strong analytical and metrics driven approach to create substantiated solutions
- Strong knowledge in compliance regulations, risks and typologies
- Superb organization skills with the ability to manage competing priorities
- Excellent verbal and written communication skills
- Adaptability in an agile and fast-paced environment
- Ability to execute independently and work with team members of all levels
- Passion for Block, and an interest in technology and knowledge of the industry
- Mindset to deliver results proactively, resourcefully, and methodically
- An independent contributor who can perform at a high level (both quantity and quality)
- Preference for individuals who have demonstrated experience engaging with federal/ international banking regulators
- Relevant industry certifications (CAMS, CFE, CFCS, CRCM)
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 also consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.
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.
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.
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.