Risk Management Investigator, Cash App

  • St. Louis, MO
  • Full-time
  • Current Square Employee?: Apply via go/jobs with your Square email.

Company Description

Cash App is the fastest growing financial brand in the world. 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 app with over 24 million monthly active users. We are bringing a better way to send, spend, invest, and save to anyone who has ever sought an alternative to the traditional banking system.

Loved by customers and pop culture, we’ve consistently held the top spot for finance in the App Store for many years, seeing more engagement with millions of followers across social media in a day than most brands see in a year. We are building an ecosystem to redefine the world’s relationship with money by making it universally accessible.

We want to hire the best talent regardless of location. Our employment model is distributed, offering the opportunity to collaborate with teams across the world in San Francisco, New York, St. Louis, Portland, Toronto, Kitchener-Waterloo, Sydney, and Melbourne.

Interested in learning more?

Job Description

In Risk Management, you will gather, assess, and disseminate investigation findings to identify and mitigate high-risk activity across our platform. We need an Investigator to join our Risk Management team, which is interested in taking your skills and career to the next level while you weave together multiple data points to communicate what is happening throughout the organization.


As an Investigator, you will leverage your natural analytical and problem-solving skills to analyze large structured and unstructured data sets to identify trends and anomalies within complex transactions across Cash App accounts and products. This position relies on decisions made independently, with high accuracy and attention to detail.


You will partner regularly with Analysts and external business partners. As well as work with many organizations within the business, such as data science, engineering, product, business operations, risk operations, compliance, and more. You will help drive innovation and influence Cash App’s global risk roadmap, programs, and processes.


The ideal candidate possesses exceptional analytical and communication skills. They must also enjoy ambiguous problem solving and have strong self-motivation skills. This role requires a bias toward taking action in a fast-paced and dynamic environment.


Essential Functions & Responsibilities

  • Leverage industry experience and expertise to analyze existing risks within product offerings that require a high level of attention to detail 

  • Data analysis and interpretation skills are a must: given a data set, you must be able to determine a logical course of action and/or find and analyze relevant data using Cash App’s various data sources (MySQL, Snowflake) and visualization tools (Tableau, Looker)

  • Ability to analyze and synthesize data from disparate sources and clearly present it to partner teams (data science, engineering, etc.) to meet business objectives and key results

  • Investigate and analyze complex data sets to resolve business challenges, identify opportunities for improvement, and provide insights and solutions

  • Identify, document, and follow-up with team members on product bugs and feature enhancements

  • Partner with internal business teams to identify and confirm emerging fraud trends and potential risk misses, both ahead of product launches and in an ongoing capacity

  • Respond promptly to internal and external business partners and exercise exceptional communication skills to optimize each contact

  • Must be able to take initiative, plan, organize and prioritize projects with overlapping deadlines competently; work independently and help others; must be highly motivated and detail-oriented.

  • Be a voice of the customer by identifying trends, issues, and by suggesting improvements to processes, policies, and products

  • Interact with other Cash App teams to develop fraud prevention strategies and processes

  • Foster a culture of professionalism, accountability, collaboration, speed, innovation, excellence, and a fun work environment while continuously elevating the quality and caliber of our controls

  • Assist leadership in the construction of short term and long-term plans with associated benefits of strategies that are developed to reduce financial exposure associated with identified high-risk activity


  • Minimum of 2 years of prior transaction surveillance and investigations experience in Financial Crimes, Anti-Money Laundering, and/or anti-fraud experience; consumer banking experience is preferred

  • Minimum of 2 years of banking back-office experience, including an understanding of NACHA rules and regulations

  • SQL strongly preferred

  • Experience designing and creating data visualizations (e.g. Tableau, Looker)

  • Experience using statistics and machine learning to solve complex business problems

  • Excellent analytical and communication skills; proficient spreadsheet and word processing experience

  • Ability to conceptualize, develop, and implement process improvements

  • Flexibility to adapt and able to manage multiple assignments while working independently 

  • Preferred experience designing and creating data visualizations (e.g. Tableau, Looker)

  • Experience using statistics to solve complex business problems

  • Flexible work schedule with the ability to work non-traditional shifts, including evenings and weekends, and some holidays based on business needs



  • Bachelor's degree preferred

  • Experience: 2+ years of experience or risk related role required

  • CFE (Certified Fraud Examiner) and Certified Anti-Money Laundering Specialist (CAMS) preferred

Additional Information

Cash App treats all employees and job applicants equally. Every decision is based on merit, qualifications, 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 each office’s corresponding local guidelines.