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, you'll 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.

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:
$217,800 - $326,800 USD
Zone B:
$202,600 - $303,800 USD
Zone C:
$191,700 - $287,500 USD
Zone D:
$185,200 - $277,800 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.