Machine Learning Engineer (Modeling), Risk

Job Overview

Company Description

http://ai.cash.app/It all started with an idea at Block in 2013. 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 ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 47 million monthly active customers. We want to redefine the world’s relationship with money to make it more relatable, instantly available, and universally accessible.

Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We’ve been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.

Check out our locations, benefits, and more at cash.app/careers.

Job Description

Machine Learning is an integral part of how we design products, operate, and pursue Cash App’s mission to serve the unbanked as well as disrupt traditional financial institutions. Our massive scale and deep trove of transaction data create an endless number of opportunities to use artificial intelligence to better understand our customers and offer new products and experiences that can improve their lives. We are a highly creative group that prefers to solve problems from first principles; we move quickly, make incremental changes, and deploy to production every day. Check out our Machine Learning / AI blog!

This role is part of Cash App’s Risk ML team and will be embedded within one of the below workstreams:

Identity: Using machine learning methods and systems, this team reduces the prevalence of inauthentic identities in Cash’s ecosystem, provides a first line of defense against bad actors attempting to circumvent our IDV controls while simultaneously building our confidence in existing and new customers’ identities. Our goal is to ensure that every individual has access to the financial services they need, regardless of their background or financial history. We believe that ML has the potential to revolutionize the way in which identity verification is conducted, and we are dedicated to constantly improving and refining our solutions to ensure that it remains at the forefront of this rapidly evolving field. By using machine learning for identity verification, we aim to create a safer and more inclusive financial system for all.

Cash Card + Disputes: This team owns analytical and ML solutions for the full lifecycle of the Cash Card product with a focus on mitigating risk/fraud. Team works cross-functionally with Product, Platform, Legal, and others to balance financial loss to the business, regulatory risk, and the holistic customer experience.

Qualifications

Bachelor’s degree in Computer Science, Statistics, Mathematics, or a related field. A Master’s degree is preferred6+ years of experience in machine learning, data analysis, or a related fieldStrong knowledge of machine learning algorithms and data analysis techniquesExcellent problem-solving skills and attention to detailStrong communication skills, with the ability to explain complex concepts to non-technical stakeholdersPython (NumPy, Pandas, sklearn, xgboost, TensorFlow, keras, etc.)MySQL, Snowflake, GCP/AWS and Tableau

Additional Information

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 $163,600 – USD $245,400

Zone B: USD $155,400 – USD $233,200

Zone C: USD $147,300 – USD $220,900

Zone D: USD $139,000 – USD $208,600

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 AccountRetirement Plans including company match Employee Stock Purchase ProgramWellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance Paid parental and caregiving leavePaid 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 resourcesPaid 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.

Block will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and “fair chance” ordinances. Because the material duties of this role involve direct or indirect access to sensitive personal or financial data, a criminal background check is required following a contingent offer of employment.

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.

While there is no specific deadline to apply for this role, on average, U.S. open roles are posted for 70 days before being filled by a successful candidate.