Risk Policy Analyst

Square

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.

Job Description

We are looking for a Fraud Policy Analyst responsible for formalizing Fraud Policy across Square’s Banking and Issuance team. This includes analyzing fraud trends, high loss events, and product risk profiles to create global fraud detection policies and inform operational procedures. Experience supporting disputes management, as well as programs like Quality Assurance and Regulatory Requirements, is highly desired.

In addition to formalizing fraud policy and supporting operational programs, the Fraud Policy Analyst will be instrumental in developing policies that address fraud disputes and chargebacks, ensuring efficient resolution processes. They will create new policies for Square’s emerging products, scope business and tooling requirements, and streamline processes as new initiatives are launched. The candidate will also ensure regulatory compliance and work to create seamless customer experiences. Specifically, they will collaborate closely with customer-facing teams impacted by Fraud Operations actions, advising, informing, and educating them on the evolving fraud and disputes landscape at Square.

You Will

• Scope and publish comprehensive policies and guidelines for the Global Banking Operations team. 
• Work closely with Customer facing teams to train and inform on new processes
• Identify areas of improvement in the customer experience process as they relate to disputes risk  interactions
• Create efficiencies in operations by refining processes and producing training materials
• Engage with third parties and vendors where necessary to advance policy and operations goals for the Risk organization
• Monitor, track, and analyze emerging fraud risk trends and provide recommendations for remediation
• Monitor and report on Operational metrics and KPIs, and partner with the Operations team on performance opportunities
• Build strong internal relationships across partner teams and key internal stakeholders

You Have

• 3 years experience in risk and/or fraud detection or financial services
• Experience in and preference for project/program management or operational policy
• Excellent written and presentation skills, and an ability to synthesize information and make clear, concise recommendations on a course of action
• A creative and eager mindset, with a bias towards action and finding solutions
• Adaptable and comfortable with an often-changing, fast-paced environment
• Experience working with an operations team and providing support to operations teams across different locales
• Experience with SQL and Looker a plus
• Ability to use data to identify trends and anomalies, as well as to make recommendations for new initiatives
• Excellent project management skills and experience maintaining programs
• Ability to execute small to medium-sized cross-functional projects w/limited oversight
• Undergraduate degree or equivalent experience

Technologies We Use and Teach

• Project management tools (Jira and Confluence)
• SQL and Looker
• Salesforce CRM

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.