Fair & Responsible Lending Lead

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
At Block, we take a forward-looking approach to credit, building products that expand access while maintaining strong consumer protections. Our philosophy, described in our Modern Approach to Credit whitepaper, guides how we design and build lending products with fairness, transparency, and responsibility at the core.
Block is committed to fair lending as a core pillar of how we design and build our products, shaping the way we develop, test, and scale products. The Fair & Responsible Lending Lead, reporting to Block's Head of Consumer Protection, will lead the strategy and daily operation of Block's Fair & Responsible Lending Program. The role sets clear standards, partners with development and platform teams to embed fair lending into Block's development pipelines, builds continuous and scalable frameworks for monitoring and control, and provides reporting to senior leadership and the Board.
You Will

• Draft and update Program documentation (policies, standards, and procedures) in partnership with Model Risk Management function
• Build continuous, scalable, and auditable frameworks for testing, monitoring, and documenting compliance
• Partner with technical teams to embed fair lending checks directly into pipelines, workflows, and monitoring frameworks
• Conduct attribute and model reviews and manage related remediations and escalations, while also providing effective independent challenge to model efficacy and helping teams move quickly within clear guardrails
• Build scalable, automated processes for testing, monitoring, and documentation that reduce cost while strengthening compliance
• Make recommendations with the support of Regulatory Counsel, technical, and business teams to design practical mitigations
• Develop and maintain required reporting requirements
• Partner with technical teams to design and oversee testing frameworks. Ensure statistical testing is conducted against clear quantitative standards, review outputs in collaboration with technical teams, and translate results into practical business and compliance implications.

You Have

• 8+ years of Fair & Responsible Lending/MRM compliance and/or legal oversight, with experience in FinTech lending compliance
• Proven experience developing and managing large scale Fair Lending Compliance Oversight programs applied to modern product and modeling practices
• Strong knowledge of ECOA/Reg B, UDAAP, FCRA, and SR 11-7, and the ability to translate regulatory requirements into clear, quantitative standards and operational controls
• Familiarity with contemporary modeling approaches and comfort working directly with technical teams to design fair-lending testing and mitigation strategies
• Experience embedding compliance controls into development pipelines and monitoring frameworks, making them consistent, repeatable, and auditable
• Ability to influence others and gain support around compliance goals.
• Work with team members of all levels

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 .
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 . 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
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 at [email protected] 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.
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.