高级机器学习工程师，模型风险管理
Senior Machine Learning Engineer, Model Risk Management
Block 构建简单而强大的工具，推动一个真正对所有人开放的经济体系。我们每个品牌都为更多人解锁经济的不同方面。Square 让卖家可以轻松获得商业和金融服务。Cash App 是一种便捷的花钱、转账和存钱方式。Afterpay 改变了客户管理消费的方式。TIDAL 是一个让艺术家作为企业家蓬勃发展的音乐平台。Bitkey 是一个专为比特币设计的简单自我托管钱包。Proto 是一套比特币挖矿产品和服务。我们共同帮助构建一个对每个人开放的金融系统。加入我们。
##### **职位描述**
Block 在大规模上进行贷款、资金转移和金融犯罪筛查，一个错误的模型可能导致数百万的信用损失、未报告的可疑活动或公平贷款违规。模型风险管理是一个独立的职能，负责决定一个模型是否足够可靠以面对客户和监管机构。
真正重要的失败往往不会自己暴露：一个模型可能通过所有主要指标，但内部仍然存在问题。它可能在发布时看起来正常，但随着人群变化逐渐偏离，直到它本应防止的损失几个月后才显现。最难的部分是发现表面正确但实际错误的东西，然后充分证明它足以经受住质疑。大部分工作要求不明确，因此你需要将其梳理成一个有说服力的计划，提出能揭示真实需求的问题，并向那些构建了你所挑战模型的人解释你的权衡。
你对模型应用的审查同样适用于人工智能。我们构建工具，让精简团队能够大规模验证，因此你需要批判性地评估其产出，并负责确认其输出足够可靠以采取行动。这项工作对大多数团队尚未找到监督方法的生成式AI和代理系统尤为重要。
作为高级个人贡献者，你通过技术深度和跨团队范围来领导，并与组织内广泛团队合作。你与你挑战的第一线模型人员合作，与依赖你分析的法律、合规和公平贷款团队，以及将分析带入监管工作的审计师和银行合作伙伴协作。该职位支持在美国批准的地点远程办公。
##### **你将**
- 独立挑战贷款、欺诈和反洗钱领域的模型负责人：复现他们的结果，设定并捍卫测试标准
- 评估模型的可靠性，确保其输出足够准确以供决策使用
- 与模型开发者、法律、合规和公平贷款团队紧密合作，确保模型符合监管要求
- 参与制定模型风险管理流程和标准，提升整体模型治理水平
- 与跨职能团队协作，推动模型风险的识别、评估和缓解措施的实施
查看英文原文
Block builds simple, powerful tools that make progress towards an economy that’s truly open to all. 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. Join us.
##### **The Role**
Block lends, moves money, and screens for financial crime at enormous scale, and one bad model can mean millions in credit losses, suspicious activity that goes unreported, or a fair lending violation. Model Risk Management is the independent function that decides whether a model is sound enough to put in front of customers and regulators.
The failures that matter rarely announce themselves: a model can clear every headline metric and still be broken underneath. It can pass clean at launch and then quietly drift as the population shifts, until the loss it was supposed to prevent surfaces months later. The hard part is finding what looks right and is wrong, then proving it well enough to hold up under questioning. Much of the work arrives under-specified, so you scope it into a defensible plan, ask the questions that surface the real requirements, and defend your tradeoffs to the people who built the model you are challenging.
The same scrutiny you apply to models applies to AI. We build the tooling that lets a lean team validate at scale, so you critically evaluate what it produces and own the evaluation that confirms its output is reliable enough to act on. That work matters most for the GenAI and agentic systems most teams have not figured out how to oversee yet.
As a senior individual contributor, you lead through technical depth and cross-team scope, and you partner widely across the organization. You work with the first-line modelers you challenge, the Legal, Compliance, and fair-lending teams who rely on your analysis, and the auditors and bank partners who carry it into regulatory engagements. This role is remote-friendly within approved US locations.
##### **You Will**
- Independently challenge model owners across lending, fraud, and AML: reproduce their results, set and defend the acceptance thresholds, and own the call on whether a model is sound.
- Hunt the silent errors that make metrics lie, and prove them out before they reach production.
- Choose evaluation that holds up under real conditions: rare events, shifting populations, and drift that only shows up after launch.
- Work hands-on in codebases you did not write, learning the data, configs, and conventions, and ship production code in the tooling you build to validate them.
- Build the agentic validation tooling the team depends on, orchestrating agents that run in parallel.
- Reason about ML systems end to end — how features, training, serving, monitoring, and scale fit together — to evaluate and challenge an owner's design.
- Tie explainability and fair-lending findings on consumer credit models back to the model and product decisions that follow.
- Help define how Block validates the systems at the frontier of production AI, setting standards where none exist yet.
##### **You Have**
- A quantitative degree or equivalent experience, and senior-IC depth building or validating models in a high-stakes domain such as credit, fraud, or financial crime.
- Command of effective-challenge methodology: reproduction, conceptual-soundness review, benchmarking, stress testing, and outcomes analysis, with an eye for how a model holds up after launch and where its assumptions break.
- Deep applied ML and statistics across model families, from regression and tree ensembles to deep learning, with sound judgment about evaluation, calibration, and generalization.
- Experimentation and statistical rigor: holdout and experiment design, reasoning about uncertainty, and evaluating a model beyond aggregate accuracy.
- Solid software and data engineering: production-quality Python, SQL on large datasets, and reproducible, tested code.
- Fluency with modern AI: building with LLMs and agentic tools, and the judgment to know when their output can be trusted.
- Familiarity with model risk management frameworks and fair-lending standards, with the specifics learnable on the job.
- The communication to explain and defend your conclusions to model owners and senior stakeholders, and the independence to operate under ambiguity.
##### **Technologies We Use and Teach**
- Python (NumPy, Pandas, scikit-learn, LightGBM, XGBoost, PyTorch)
- AI dev tools: Claude Code, Cursor, Copilot; agent skills and frameworks for building LLM-powered tooling
- MLflow / Databricks; Prefect on GCP Vertex AI
- Snowflake and cloud object storage
- GitHub and CI (ruff, pytest)
- Jira and Linear
- GCP and AWS
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).
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:
$228,700—$343,100 USD
Zone B:
$217,300—$325,900 USD
Zone C:
$205,900—$308,900 USD
Zone D:
$194,500—$291,700 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)