商业智能分析师
Business Intelligence Analyst
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为一个动态生态系统，开发独特的金融产品，包括Afterpay/Clearpay，为我们的5000多万月活跃客户提供更好的发送、花费、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，使其更易于理解、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。自第一天起，我们就是一支分布式团队，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，我们都会量身定制体验，确保员工富有创造力、高效并感到快乐。
##### **职位描述**
你将加入Recon and Reporting团队，该团队负责我们的交易后系统：一个负责对账资金、追踪资金全流程，并满足我们向商家、客户和全球监管机构的税务和合规报告义务的平台。对账和财务报告对于运营支付业务至关重要，鉴于我们的交易量，此职位对财务准确性和信任度有直接、可衡量的影响。
作为团队中的高级分析师，你将独立负责对账和报告的工作流程，从头到尾进行管理。你将成为该领域的专家，确保数字一致：对账银行卡网络结算和报告文件（Visa、Mastercard及其类似文件），以及来自收单行、处理商和银行的数据，与我们内部的支付和账本数据进行核对。你将把模糊的对账和报告需求转化为具体的指标、控制措施和自动化解决方案，推动差异问题找到根本原因并解决，并直接影响团队的路线图以及财务、会计和工程合作伙伴的优先事项。我们的信条：所有资金在正确的时间、正确的用途下到位。
##### **你将**
- 独立优先级、设计、开发和部署端到端的对账和报告解决方案：匹配逻辑、异常仪表板、例外队列、结算摘要和标准化分录，这些分录会输入下游会计、审计和监管流程。
- 负责时间敏感的每日、每周和每月对账工作。
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**
You will join the Recon and Reporting team, which owns our post-transaction systems: the platform responsible for reconciling money, tracing the end-to-end flow of funds, and meeting our tax and regulatory reporting obligations to merchants, customers, and authorities worldwide. Reconciliation and financial reporting are essential to running a payments business, and given our transaction volume, this role has direct, measurable impact on financial accuracy and trust.
As a Senior Analyst on the team, you will independently own reconciliation and reporting workstreams end to end. You will be the subject matter expert who ensures the numbers tie out: reconciling card-network settlement and report files (Visa, Mastercard, and equivalents), along with data from acquirers, processors, and banks, against our internal payment and ledger data. You will translate ambiguous reconciliation and reporting needs into concrete metrics, controls, and automated solutions, drive discrepancies to root cause and resolution, and directly influence the team's roadmap and the priorities of our finance, accounting, and engineering partners. Our mantra: all funds in the right place, at the right time, for the right purpose.
##### **You Will**
- Independently prioritize, design, develop, and deploy end-to-end reconciliation and reporting solutions: matching logic, break dashboards, exception queues, settlement summaries, and standardized journals that feed downstream accounting, audit, and regulatory processes.
- Own time-sensitive daily, weekly, and monthly reconciliations across card networks, banking partners, processors, and internal transaction and ledger data, including full ownership of discrepancy management from detection through root cause, corrective action, and control improvement.
- Translate ambiguous business, finance, and regulatory needs into concrete measurement systems: define and roll out key metrics for the reconciliation and reporting domain (match rates, break aging, time-to-resolution, funding compliance, reporting SLAs) and ensure stakeholders interpret them in the correct context.
- Serve as the subject matter expert on settlement, funding, and money-movement flows; field questions on transaction lifecycles, data models, and the reconciliation tech stack from stakeholders and leadership.
- Own the design, development, and documentation of automated SQL-based reporting using best practices, navigating new and unfamiliar datasets to answer complex questions about the flow of funds.
- Work independently or partner with data engineering to design, build, validate, troubleshoot, and maintain the datasets and pipelines that power reconciliation and reporting, making sound trade-offs between accuracy, implementation effort, and complexity.
- Proactively identify control gaps, revenue leakage, manual toil, and upstream data-quality issues; drive the automation and process improvements that fix them, and monitor daily settlement and banking activity for irregularities.
- Own relationships with technical and non-technical stakeholders across Engineering, Product, Accounting, Treasury, Tax, and Compliance; directly influence the priorities, decisions, and roadmap of the team and its partners.
- Lead month-end close support for the domain: reconciliation reporting, standardized summaries, and audit-ready documentation, including supporting internal and external audits.
- Define business requirements and test plans for system changes, validate new processes and reconciliation capabilities before deployment, and partner with Engineering and Data teams to resolve bugs and ship enhancements.
- Help onboard and mentor other analysts, including reviewing code and evangelizing reconciliation and reporting best practices.
- Apply an AI-first mindset to improve the speed, quality, and insight of analytical work, and guide responsible AI use on the team.
##### **You Have**
- 5+ years of related experience in reconciliation, settlement, payment operations, accounting, or finance analytics with a Bachelor's degree (Finance, Accounting, Economics, a quantitative field, or similar); or 3+ years with a Master's degree; or equivalent work experience.
- Expert-level SQL, including owning the design, development, and documentation of automated SQL-based reporting, and the ability to navigate new datasets and answer complex questions independently.
- Demonstrated experience independently owning reconciliation, settlement, or financial reporting workstreams end to end, including defining metrics and driving them to adoption.
- Strong knowledge of accounting principles, double-entry concepts, and the mechanics of money movement, with the judgment to question the correctness and completeness of financial data.
- Experience partnering with data engineering (or working independently) to design, build, validate, and maintain data pipelines, with the ability to make sound technical trade-offs.
- Advanced Excel proficiency (complex formulas, pivot tables) and experience with reconciliation tooling and banking portals.
- Excellent communication skills: able to own senior stakeholder relationships, present findings and recommendations, and drive clear next steps in areas without clear ownership.
- Track record of proactively identifying and delivering process improvements and automation in a deadline-driven, high-accuracy environment.
##### **Preferred Experience**
- Deep experience with card-network reconciliation and settlement (Visa, Mastercard, Amex, Discover), including network settlement, clearing, and report file formats.
- Strong familiarity with funds-transfer processes and rails (ACH, wire, SWIFT, RTP/FedNow) and the payments ecosystem: merchants, acquirers, issuers, processors, and program banks.
- Scripting skills (Python or similar) for data analysis and process automation.
- Experience with cloud data warehouses (e.g., Snowflake, BigQuery) and BI platforms (e.g., Looker, Tableau), including building governed reporting layers with SLAs.
- Exposure to interchange and fee/cost reconciliation, revenue-leakage detection, and tax or regulatory reporting regimes.
- Experience supporting audits, internal controls, or SOX-adjacent processes, and mentoring junior analysts.
- Curiosity about payments products and financial markets.
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:
$135,200—$202,800 USD
Zone B:
$125,800—$188,600 USD
Zone C:
$119,000—$178,400 USD
Zone D:
$108,200—$162,200 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._
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