Product and Regulatory Counsel, Credit

Block is one company built from many blocks all united by the same purpose of economic empowerment. The blocks that form our foundational teams People Finance Counsel Hardware Information Security Platform Infrastructure Engineering and more provide support and guidance at the corporate level. They work across business groups and around the globe spanning time zones and disciplines to develop inclusive People policies forecast finances give legal counsel safeguard systems nurture new initiatives and more. Every challenge creates possibilities and we need different perspectives to see them all. Bring yours to Block.

The Role

As Product Counsel for Cash App handling credit lending and credit reporting issues youll have a broad range of responsibilities providing legal guidance on lending and credit issues including credit reporting agency issues. Our Primary Product offerings that you would be involved with include: Lending products (such as our buy now pay letter products) Afterpay and credit risk rating/credit rating agency work. As we expand your ideas and contributions will make an immediate and meaningful impact.

You Will

• Provide guidance to product risk design eng customer support and other teams on lending credit and credit reporting agency issues and help build new lending and credit related products.
• Provide actionable legal advice concerning consumer lending laws and consumer lending products Fair Credit Reporting Act (FCRA) Fair and Accurate Credit Transactions Act (FACTA) Dodd Frank Gramm-Leach-Bliley Act and Equal Credit Opportunity Act.
• Develop trusted relationships with partners and stay informed on key product developments.
• Draft and negotiate commercial agreements affecting your products and services
• Draft terms of use product policies and product disclosures
• Work closely with cross-functional partners (tax compliance accounting and outside counsel) to provide seamless support.
• Cultivate creative ideas and insights into how legal frameworks can support new product developments and customer experiences.

You Have

• A Juris Doctor (JD) degree and active membership in at least one state bar.
• 6 years of combined relevant experience in law firms governmental agencies or in-house legal departments.
• Significant expertise in consumer lending laws and consumer lending products Fair Credit Reporting Act (FCRA) Fair and Accurate Credit Transactions Act (FACTA) Dodd Frank Gramm-Leach-Bliley Act and Equal Credit Opportunity Act.
• Fluency translating legal advice into actionable guidance.
• Ability to quickly adapt and reorient in an evolving regulatory and business environment.
• Familiarity with launching and marketing products and advising on the legal and regulatory aspects of product development in the technology space.
• Sound practical business judgment and creativity solving problems.
• Excellent drafting skills.

Were 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 were doing to build a workplace that is fair and square Check out our ID page.

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.