Decision Scientist - Dispute Automation

Company Description

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

As a Decision Scientist, you will apply data-driven techniques to identify new opportunities, participate in project definition and prioritization and directly impact business strategy setting outcomes. There is a high expectation of proactively identifying, investigating, and resolving problems with data; designing and establishing key metrics; and the effective usage of various techniques such as statistical modeling and A/B experimentation to drive the best decisions.You will be responsible for the implementation, documentation, and on-going monitoring associated with any customer-facing decisions and risk controls you make.

Decision Scientists are not responsible for the direct development of advanced ML algorithms, but they work closely with ML teams to inform model performance evaluations. Therefore, you possess a general understanding of how ML models work and how to leverage their output for decision making and actioning. You may also be expected to create offline ML models for the purpose of facilitating decision making, such as forecasting and segmentation.

This role is part of our Cash App's ML team and will be deeply embedded within one of those teams - below is more about the team that this Disputes Automation Decision Scientist role is embedded in and how this role fits into the team:

Risk (Cash Card ML) - 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, Operations, Legal, and others to balance financial loss to the business, regulatory risk, and the holistic customer experience.

Decision Scientists on the team focus on the defining and implementation of automation policies through our in house rules engine that affect customer initiated Cash Card disputes. Decision Scientists in this role will work closely with specialized risk operation teams and Product to implement automation strategies based on legally defensible documented policies and outcomes. Additionally, by building on the success of the team for Cash Card, Decision Scientists in this Disputes Automation role have expanded to support disputes in other transaction types (P2P, $pay, etc).

Qualifications

Technologies we use (and teach):

• SQL, Snowflake, GCP/AWS, Tableau, Looker
• Python (NumPy, Pandas, sklearn, etc.)

You have:

• Advanced degree in Mathematics, Statistics, Computer Science, Economics or other quantitative field
• 3+ years of experience in a data-driven decision making role in a domain that leverages applied analytics to affect customer experiences regularly such as risk, lending, or customer support
• High proficiency with SQL and working within complicated data domains
• Proficient at defining, implementing, communicating and monitoring performance metrics with a variety of stakeholders including Product, ML, Operations, Legal, external stakeholders, etc.
• Solid experience with data analysis and scripting in Python
• Some familiarity with ML techniques, applications and best practices in solving real world problems
• Proven track record of tackling ambiguous business challenges with minimal guidance and applying analytical/statistical methods to tackle real-world problems using big data"

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 $142,000 - USD $170,000 Zone B: USD $134,900 - USD $160,000

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 Account
• Retirement Plans including company match
• Employee Stock Purchase Program
• Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance
• Paid parental and caregiving leave
• Paid 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 resources
• Paid 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.

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

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.