KYC尽职调查政策与策略经理
Manager, KYC Due Diligence Policy & Strategy
我们从2013年Block的一个想法开始。最初是为了简化点对点支付的痛苦，Cash App从一个单一功能的简单产品发展成了一个动态生态系统，开发了独特的金融产品，包括Afterpay/Clearpay，为我们的5000多万月活跃客户提供更好的发送、消费、投资、借贷和储蓄方式。我们希望重新定义世界与金钱的关系，使其更加贴近生活、即时可用且普遍可及。
如今，Cash App在全球各地的办公室和远程地点有数千名员工，文化注重创新、协作和影响力。自成立以来，我们就是一个分布式团队，许多职位都可以在Cash App运营的国家远程完成。无论身处何地，我们都定制体验，确保员工富有创造力、高效并感到快乐。
##### **职位描述**
客户开户团队是Block金融犯罪部门的一部分，通过管理安全客户开户、持续监控和尽职调查（EDD）以及合规账户恢复的协议来保护Block生态系统。作为企业级职位，KYC尽职调查政策与策略经理负责制定Block, Inc.整体的KYC政策和策略——涵盖Square、Cash App、TIDAL及其他业务线——结合政策专业知识与实际实施，以加强KYC流程，特别强调身份验证和EDD。
##### **你将**
- 领导企业KYC政策、标准、补充指南和例外请求的开发、审查和维护
- 监控监管变化，评估对现有KYC框架的影响，并确保全球标准与当地要求一致
- 与跨职能团队合作实施KYC要求，并向合规技术团队提供政策需求方面的建议，以塑造KYC解决方案
- 定义AI/ML驱动的风险导向分组和身份验证的政策需求、指导原则和验证标准——并在KYC决策中建议自动化是否适用
- 监控KYC指标和项目表现，评估有效性，增强控制措施，并识别流程改进机会
- 作为业务单元以及法律、审计和风险合作伙伴的专家；参与治理论坛，支持监管检查和内部审计
- 识别、升级并协助解决KYC合规问题
查看英文原文
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 50+ 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.
##### **The Role**
The Customer Onboarding team, part of Block's Financial Crimes organization, protects Block's ecosystem through the protocols that govern secure customer onboarding, ongoing monitoring and EDD, and compliant account restoration. As an enterprise role, the KYC Due Diligence Policy and Strategy Manager sets KYC policy and strategy for Block, Inc. as a whole — spanning Square, Cash App, TIDAL, and other business lines — combining policy expertise with practical implementation to strengthen KYC processes, with particular emphasis on identity verification and EDD.
##### **You Will**
- Lead the development, review, and maintenance of enterprise KYC policies, standards, supplementary guidance, and exception requests
- Monitor regulatory change, assess impact on existing KYC frameworks, and keep global standards aligned with local requirements
- Partner with cross-functional teams to implement KYC requirements, and advise compliance technology teams on the policy requirements shaping KYC solutions
- Define policy requirements, guardrails, and validation criteria for AI/ML-driven risk-based segmentation and identity verification — and advise where automation is and isn't appropriate for KYC decisioning
- Monitor KYC metrics and program performance to assess effectiveness, enhance controls, and identify process improvements
- Serve as subject matter expert to business units and to legal, audit, and risk partners; participate in governance forums and support regulatory examinations and internal audits
- Identify, escalate, and help remediate KYC compliance risks, including those specific to AI/automation such as model drift, bias, false positives/negatives, and explainability gaps
##### **You Have**
- 10+ years in BSA/AML/KYC compliance or compliance operations at a financial services firm, preferably payments or fintech
- A track record of influencing enterprise-wide compliance programs and advising executive leadership on complex regulatory matters
- Strong knowledge of compliance regulations, risks, and typologies, paired with an analytical, metrics-driven approach to building substantiated solutions
- Excellent written and verbal communication skills and the organizational skills to manage competing priorities in an agile, fast-paced environment
- The ability to execute independently and at a high level while working effectively with team members at all levels
- Demonstrated AI fluency: framing ambiguous compliance problems for AI, critically evaluating outputs for gaps, bias, or risk, and using AI to accelerate execution without compromising quality or compliance standards
- Preferred: experience engaging federal or international banking regulators, relevant certifications (CAMS, CFE, CFCS, CRCM), and exposure to AI/ML-driven compliance or risk-decisioning tools
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 an equal opportunity employer evaluating all employees and job applicants without regard to identity or any legally protected class. We will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and “fair chance” ordinances.
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](https://block.xyz/news/inclusion).
While there is no specific deadline to apply for this role, U.S. roles are typically open for an average of 55 days before being filled by a successful candidate. Please refer to the date listed at the top of this job page for when this role was first posted.
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.
To find a location’s zone designation, please refer to this [resource](https://block.xyz/documents/salaryzones.pdf). If a location of interest is not listed, please speak with a recruiter for additional information.
Zone A:
$163,600—$245,400 USD
Zone B:
$152,200—$228,200 USD
Zone C:
$144,000—$216,000 USD
Zone D:
$135,800—$203,600 USD
**Application Guidelines**
Candidates may submit up to 9 active applications within a 60-day period. Reapplications to the same role are accepted 90 days after a previous application has been reviewed.
**Use of AI in Our Hiring Process**
We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.
Contact us [here](https://privacy.block.xyz/privacyportal/form) with hiring practice or data usage questions.
_Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering._ _[Check out our other benefits at Block.](https://block.xyz/employee-benefits)_
_Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. **Square** makes commerce and financial services accessible to sellers. **Cash App** is the easy way to spend, send, and store money. **Afterpay** is transforming the way customers manage their spending over time. **TIDAL** is a music platform that empowers artists to thrive as entrepreneurs. **Bitkey** is a simple self-custody wallet built for bitcoin. **Proto** is a suite of bitcoin mining products and services. Together, we’re helping build a financial system that is open to everyone._
[Privacy Policy](https://block.xyz/en/legal/applicant-privacy-notice)