Behavioral Insights Fraud Analyst - Access and Safeguards

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
Cash App is seeking a Behavioral Insights Fraud Analyst to join our dynamic Behavioral Insights Team. A Behavioral Insights Fraud Analyst leverages natural analytical and problem-solving skills to analyze large structured and unstructured data sets to identify trends, anomalies and inauthentic behaviors across Cash App accounts and products. This position relies on decisions made independently, with high precision and attention to detail.
This position will collaborate often with teammates, as well as work with many organizations within the business, such as Data Science, Machine Learning Modeling, Engineering, Product, Business Operations, Risk Operations, Compliance, and more. You will help drive innovation and influence Cash App's fraud roadmap, programs, and processes.
The ideal candidate possesses exceptional analytical and communication skills. This role requires a self-motivated individual who can balance analytical rigor with operational efficiency while maintaining high standards of quality in risk management.
Work from anywhere: This role can be performed from any location in the United States.
You Will

• Develop deep expertise in customer behavior patterns and activity authentication within the Cash App ecosystem
• Build comprehensive knowledge in scam prevention and account takeover (ATO) risk management, understanding their impact on platform security
• Conduct complex data analysis to resolve business challenges, identify opportunities for improvement, and provide insights and solutions
• Apply analytical expertise to assess risk factors within product offerings, requiring meticulous attention to detail
• Partner with internal business teams to identify and confirm emerging fraud trends and potential customer impact due to risk controls, both ahead of product launches and in an ongoing capacity
• Demonstrate strong communication skills through timely and effective responses to internal stakeholders
• Help drive team projects forward while maintaining accuracy and meeting timelines.
• Foster a culture of professionalism, accountability, collaboration, speed, innovation, excellence, and a fun work environment while continuously elevating the quality and caliber of our risk controls
• Additional responsibilities may be assigned as business needs evolve

You Have

• 2+ years experience in risk and/or fraud detection in financial services or technology space
• Ability to spot unusual behaviors or trends in transaction and account data
• Proficient in writing clear and concise documentation of findings, with the ability to explain complex issues simply
• Ability to explain complex issues simply
• Experience working with teams across countries and time zones
• Ability to evaluate potential risks and their impact
• Flexibility to adapt and able to manage multiple assignments while working independently

Even Better

• SQL experience
• Experience working with machine learning teams
• Technical or procedural writing experience

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 .
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 . If a location of interest is not listed, please speak with a recruiter for additional information.
Zone A:
$76,300 - $114,500 USD
Zone B:
$71,000 - $106,400 USD
Zone C:
$64,900 - $97,300 USD
Zone D:
$57,300 - $85,900 USD
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.