Regulatory Examination Manager, Lending

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.

Block is looking for an experienced Regulatory Examination Manager with relevant federally regulated financial institution background. You will help provide organizational and substantive support to the Regulatory Team, you will build new systems and procedures, and you will work with a variety of people at Block. This is a great opportunity to join a growing legal team, working on exciting issues. As we expand our offerings, your ideas and contributions will make an immediate impact.

Your mission is to uphold Block's lending obligations in connection with its bank partners and regulatory examinations. Chief among your responsibilities involve full cycle examination management support including developing project plans with timelines, managing intake of examination requests, work with partners to obtain responses, facilitate regulatory submissions in the appropriate time frame and manage communications. You will work with partners in legal, compliance, banking operations, finance, data analytics and engineering, product and other teams, to ensure that Block is compliant with applicable requirements and obligations while, to the extent possible, streamlining regulatory impact and facilitating innovation.

You Will:

• Manage an examination program that fulfills our legal and regulatory responsibilities, while endeavoring to minimize business and product impact.
• Oversee federal regulatory examinations, partnering with team members to ensure satisfactory regulatory examination results.
• Support preparation of all exam requests and inquiries, coordinate with partners, gather data from a variety of teams, harmonizing data and ensuring that all responses are submitted with care.
• Support any remediation project planning and tracking.
• Cultivate and maintain relationships with internal and external partners, demonstrating sensitivity and efficiency in responding to regulatory requests.
• Track, interpret and operationalize legal and regulatory requirements.
• Responsible for all data input and management into the repository/GRC/issue management and will manage repository/GRC/issue management workflow, ensuring deadlines are set.
• Manage all documentation within the GRC and ensure correct naming conventions, folder structures, and delivery to the regulator.

You Have:

• 5+ years direct experience with federal regulatory examinations (FDIC, FRB, OCC, CFPB, etc.) and bank partnership lending models.
• Familiarity with lending regulations, banking regulations and financial services industry best practices.
• Experience creating and implementing efficient operational and logistical efficiencies.
• Familiarity with reviewing lending related data information and reports.
• Experience organizing and managing projects.
• Experience interpreting and explaining legal and regulatory obligations.
• Analytical and problem-solving skills when interpreting and explaining legal and regulatory obligations to regulators and company partners.
• Experience with GRC and issue management.

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.

Zone A: USD $122,900 - USD $184,300
Zone B: USD $114,200 - USD $171,400
Zone C: USD $108,200 - USD $162,200
Zone D: USD $98,300 - USD $147,500

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.

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.