Consumer Lending Program Manager

  • San Francisco, CA
  • Full-time

Company Description

Square builds common business tools in unconventional ways so more people can start, run, and grow their businesses. When Square started, it was difficult and expensive (or just plain impossible) for some businesses to take credit cards. Square made credit card payments possible for all by turning a mobile phone into a credit card reader. Since then Square has been building an entire business toolkit of both hardware and software products including Square Capital, Square Terminal, Square Payroll, and more. We’re working to find new and better ways to help businesses succeed on their own terms—and we’re looking for people like you to help shape tomorrow at Square.

Job Description

This position is responsible for supporting the rollout of an innovative new consumer lending program in a 50/50 split between program management and monitoring functions. This will be done by performing regulatory monitoring and providing compliance guidance that uses sound judgment, innovative thinking, and collaborative decision making. These responsibilities include review of policies, procedures, advertising/marketing, emails/letters, and customer agreements. In addition, this position supports Square’s compliance mission by working side-by-side with other compliance, counsel, and business staff to provide regulatory guidance to the business as it grows this program. The scope of this role includes but is not limited to regulatory subjects such as BSA/AML, ECOA, FCRA/FACTA, GLBA, OFAC, TILA, and UDAAP.

You will, under the direction of the Lending Compliance Program Lead:

  • Collaborate with internal and external stakeholders to stand-up a new compliance program, including policies and procedures

  • Monitor regulatory compliance on both a regular and periodic basis, properly identify gaps in controls, and assess remediations proposed and executed by business stakeholders

  • Prepare compliance reports by collecting, analyzing, and storing accurate and verifiable information

  • Support partner relationships with other companies and financial institutions involved in the lending program

  • Communicate complex compliance issues with internal and external stakeholders 

  • Monitor consumer complaints for potential compliance matters and to ensure proper investigations occurs

  • Consult with corporate attorneys as necessary to address complex compliance issues

  • Maintain superior knowledge of applicable consumer lending compliance laws and regulations and proactively identify emerging compliance risks

  • Assist with other special projects as needed


You have:

  • 4-year undergraduate degree (minimum) Bachelor's Degree required

  • 3 years of experience required in lending compliance monitoring or compliance product management with a strong understanding in at least one of the following areas: secured consumer loans, unsecured consumer loans, or consumer credit cards

  • Demonstrated abilities to develop and implement compliance policies, strategies, and work processes

  • Proven ability to understand legal and regulatory concepts and converting them into relevant, practical business requirements

  • Excellent oral and written communication

  • Strong ability to build relationships and establish trust and credibility with business leads, financial institution partners, and regulators through collaborative and independent initiatives

  • Experience in conducting database queries, managing multifaceted projects using strong organizational, interpersonal, and presentation skills

Even better:

  • Fair Lending program development and/or implementation experience

Additional Information

At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of 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) 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.