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.

Square Financial Services ("SFS") is looking for a regulatory counsel to support our commercial and consumer banking and lending efforts by our Industrial Bank. As we expand our product offerings, your ideas and contributions will make an immediate and direct impact. A creative legal mind, a solution-oriented thinker and a sense of adventure to build a bank are all required. 

You will, under the direction of the SFS Regulatory Counsel Lead: 

• Provide legal and regulatory advice on our products to members of the Counsel team, business and functional partners on laws relevant to banking entities and other financial services businesses such as Affiliate Transactions / Regulation W, Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA)/Regulation Z,), Equal Credit Opportunity Act (ECOA)/Regulation B, UDAAP, Electronic Fund Transfer Act (EFTA)/Regulation E, Bank Secrecy Act (BSA) and other laws affecting consumer and small business credit and deposit products and regulated financial institutions
• Advise on legal, regulatory, and industry requirements for banks and banking products
• Analyze the impact of new applicable laws and regulations and regulatory enforcement activity to SFS.
• Provide risk-based legal advice to meet business objectives 
• Manage projects to ensure internal and external resources adhere to the project scopes and implementation plans, including risk mitigation.
• Partner with our business, second line and third line of defense functions and with external advisors and experts

You Have:

• 6+ years experience at a bank, law firm (with bank regulatory experience) financial services fintech and/or financial services regulatory agency
• Subject matter expertise in consumer lending business with benefit of experience with merchant acquiring and/or deposit products
• Strong reviewing and drafting skills; commitment to quality through demonstrated accuracy and thoroughness
• Ability to organize and prioritize a heavy workload in a dynamic and complex environment to meet deadlines and daily requirements, while maintaining exceptional accuracy
• Proven success working with all levels of management
• J.D. Degree in good standing 
• Membership in at least one state bar

Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.

Zone A: USD $202,500 - USD $247,500
Zone B: USD $188,400 - USD $230,200
Zone C: USD $178,200 - USD $217,800
Zone D: USD $168,100 - USD $205,500

To find a location’s zone designation, please refer to this resource. If a location of interest is not listed, please speak with a recruiter for additional information. 

Full-time employee benefits include the following:

• Healthcare coverage (Medical, Vision and Dental insurance)
• Health Savings Account and Flexible Spending Account
• Retirement Plans including company match 
• Employee Stock Purchase Program
• Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance 
• Paid parental and caregiving leave
• Paid time off (including 12 paid holidays)
• Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees) 
• Learning and Development resources
• Paid Life insurance, AD&D, and disability benefits 

These benefits are further detailed in Block's policies. This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

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 a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class. 

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.

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.