Lending Regulatory Counsel
Block, Inc. is a technology company building tools for economic empowerment, operating a portfolio of financial brands including Square, Cash App, Afterpay, TIDAL, Bitkey, and Proto. It serves sellers, consumers, artists, and bitcoin users through payments, banking, buy-now-pay-later, music streaming, and bitcoin self-custody and mining products.
About Block, Inc.
Block, Inc. builds technology aimed at increasing access to the global economy. Its brands each unlock different aspects of the economy: Square makes commerce and financial services accessible to sellers; Cash App is an easy way to spend, send, and store money; Afterpay (Clearpay in the UK) helps customers manage spending over time; TIDAL is a music platform empowering artists as entrepreneurs; Bitkey is a self-custody bitcoin wallet; and Proto builds open, accessible bitcoin mining hardware and services. Block has been a long-time advocate for bitcoin, integrating bitcoin buying/selling and Lightning Network payments into Cash App and Square, funding open-source bitcoin infrastructure through Spiral (including the Lightning Development Kit), and engaging in bitcoin policy advocacy through groups like COPA, the Digital Energy Council, the Crypto Council for Innovation, and the Texas Blockchain Council. The company also runs a significant open source program (contributing to projects like Goose, an on-machine AI developer agent, OkHttp, Retrofit, gRPC, Envoy, and MySQL) and an AI research effort, including co-founding the Agentic AI Foundation with Anthropic and OpenAI. Block serves individual consumers, small and medium-sized businesses/merchants, artists, and developers.
Skills
About the Role
You will provide legal and regulatory advice on consumer and commercial lending products, including lending regulations, licensing, bank partnerships, and model risk management. You will lead complex cross-functional regulatory matters, translate risk into actionable guidance for senior stakeholders, assess evolving rules, and support novel consumer financial products from concept through launch.
Requirements
- 8+ years of experience at a law firm, financial services regulatory agency, in a bank partnership role, or in-house.
- Substantive experience with lending and bank partnership issues and relationships.
- Ability to independently lead complex legal and regulatory issues to resolution.
- Experience engaging senior stakeholders across legal, compliance, product, and business teams.
- High degree of comfort and fluency with technology and its application to business and regulatory problems.
- JD and active membership in good standing with the Bar of the resident state, California Bar, or New York Bar.
Responsibilities
- Provide legal and regulatory advice on lending products, including Regulation Z, Regulation B, fair lending, and state lending licensing regulations.
- Advise on consumer and commercial lending, bank partnership arrangements, model risk management, and related financial services activities.
- Lead resolution of complex cross-functional regulatory and bank partnership issues.
- Translate legal and regulatory risk into clear, actionable guidance for senior business, product, compliance, and bank partner stakeholders.
- Summarize and analyze new and evolving rules and regulations and flag business implications.
- Provide legal support and strategic input for emerging consumer financial products from concept through launch.
Benefits
- Remote work
- Medical insurance
- Flexible time off
- Retirement savings plans
- Modern family planning
