Risk Operations Lead, Cash App

  • St. Louis, MO
  • Full-time

Company Description

Cash App is the fastest growing financial brand in the world. Built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to the world's most dynamic money app.

Loved by customers and by pop culture, we've held the #1 spot in finance on the App Store for almost two years. We've even stolen the #1 overall spot from Facebook, YouTube, Instagram, and Snapchat.

Headquartered in SF with offices in New York, St. Louis, Melbourne, Atlanta, and Kitchener Waterloo, Cash App is bringing a better way to send, spend, and save to anyone who has ever sought an alternative to today's banking system.

Job Description

Cash App is seeking a seasoned Operations Leader to join our dynamic Risk Operations team. In this role, you will provide innovative support for the development, implementation and documentation of operational workflows. You will also cultivate the next generation of risk superstars supporting the fastest growing financial services product on the market.

This role oversees system and analytical tool enhancements to maintain optimum productivity and efficiency with risk strategies and tolerances. Importantly, this role will represent the team as a member of Cash Apps high impact cross-functional teams that support initiatives through the lifecycle of a Cash user to providing emerging consumer payment solutions. This position requires an in-depth understanding of the principles of payment and account level risk management in the fields of banking operations, account takeovers, financial crimes, including anti-money laundering best practices, along with proven people leadership experience.

You Will:

  • Lead a team of high performing operational agents in a fast-paced environment including performance management, coaching, developing and driving the team vision.

  • Team development; manage recruiting efforts and partner with Talent Team to bring in top quality candidates to fill critical roles.

  • Identify risk factors and trends of potentially fraudulent activity through technical data analysis and statistical interpretation.

  • Generate business level metrics to demonstrate the performance of fraud systems for use in management reporting.

  • Identify gaps in current systems, policies, products, and strategies to take actions that mitigate emerging enterprise risks with management's guidance.

  • Develop, implement and review operational policies and procedures.

  • Build strong relationships with Product, Compliance, and Data Science teams to gain support of risk management initiatives.

  • Manage multiple projects to enhance and optimize agent systems and tools.

  • Recommend enhancements and process improvements based on operational of assessments of systems and processes.

  • Develop trending reports and key indicators to serve as early warning risk indicators for potentially discrepant activity.


You Have:

  • Bachelors Degree in Mathematics, Analytics, or Criminology + 4 years work experience or MBA/MS degree in Finance, Analytics, or Mathematics

  • 5+ years risk management experience with traditional and alternative payment methods.

  • Experience mitigating online fraud, such as account takeover, phishing, online card testing, etc.

  • Strong quantitative analytical experience, including experience  with statistical modeling & analysis.

  • Ability to analyze large transactional datasets, interpret ambiguous situations, and make decisions under pressure.

  • Deep understanding of the online payments landscape across all participants issuer, merchant, acquirer and network.

  • Excellent written, oral and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action.

  • Creative, team-focused, and effective problem solver.


Even better: 

  • Preferred Certifications: CFE, ACAMS, or AAP

Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply and always consider qualified applicants with arrest and conviction records, in accordance with the San Francisco Fair Chance Ordinance. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at)squareup.com. We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.