Credit Reporting Disputes Program Lead

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.

Our Risk Programs Enablement & Oversight team owns the programs behind how Block investigates and resolves consumer disputes across Cash App, Afterpay, and Square. We are adding a named owner for our consumer reporting and furnisher disputes program under the Fair Credit Reporting Act (FCRA). You will own that program end to end, you will build it through partners in Product, Engineering, Data, Customer Operations, and Legal rather than through a large direct team.

You Will

• Block is setting up a CRA for the first time, to support the launch of our new Cash App Credit Score. Your role will be to own our furnisher and consumer reporting disputes program end to end — written policies and procedures, control design, monitoring and testing, training, and periodic review.

• Define what a reasonable investigation means at Block, and hold that standard consistently across both direct and indirect consumer disputes.

• Design the remediation path for inaccurate data, tracing a correction from the originating event data through downstream data stores and into the reports and scores that rely on it, and partner with platform, data engineering, and modeling teams to implement it.

• Build the workflow constructs this program needs and Block does not have today — data correction as a resolution outcome, investigative processes, and customer notifications.

• Investigate recurring data defects to root cause and resolve them upstream with the teams that own the source data, rather than correcting the same records repeatedly

• Represent our consumer reporting program to our regulators, and keep the program examination ready.

• Advise product and engineering teams as they design new features, so that reporting accuracy and data correction obligations are built in from the start rather than retrofitted.

You Have

• 12+ years of furnisher or consumer reporting compliance experience under FCRA and Regulation V at a bank, fintech, card issuer, or lender

• A record of building or materially reshaping a data accuracy and integrity program

• Familiarity with modern credit modeling infrastructure, and experience partnering with modeling, data engineering, and platform teams to carry dispute investigations and data corrections through to the underlying data

• Experience with FCRA private-right-of-action litigation, working alongside legal counsel

• Working knowledge of the regimes adjacent to FCRA — Fair and Accurate Credit Transactions Act (FACTA) Red Flags, Equal Credit Opportunity Act and Regulation B adverse action, the Military Lending Act and the Servicemembers Civil Relief Act, Regulation E, Regulation Z, and material state credit reporting statutes

• Experience presenting to and engaging with the CFPB, FTC, or state examiners

• A record of advancing cross-functional programs without direct authority, partnering with product,