Open Banking Strategy Lead, Cash App



San Francisco, CA
Full Time
3y ago

Company Description

It all started with an idea at Square 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 app, bringing a better way to send, spend, invest, and save to our millions of monthly active users. We want to make the world’s relationship with money more relatable, instantly available, and universally accessible. This is our mission, and it’s why working at Cash App means so much more than a job.

Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward creativity, collaboration and impact. We’ve been a distributed team since day one, and we’ve got offices and remote teammates across the globe. Our offices are great, but 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 to learn more!

Job Description

The Cash App Network Operations Team is responsible for building and managing a scalable payments ecosystem for a fast growing mobile payment app with multiple external and internal partners. You’ll be responsible for driving the strategy and operational excellence for funds moved from linked bank accounts into and out of the Cash App ecosystem. This includes working collaboratively with our acquiring and issuing partners to innovate, collaborate, and problem solve. Your goal will be to ensure our ecosystem of money movement on bank payment rails are optimized for cost and performance, while exploring new innovative opportunities that position Cash App for future success and growth. Within the team, you will collaborate with other disciplines to further our high standard of performance by executing and communicating operational standards and best practices. 

You will:

  • Participate in Cash App’s relationships with banks, acquirers, and governance bodies like NACHA, focusing on defining and executing a strategy to influence and scale our relationships with such partners and maximize customers’ ability to move money into Cash App via a linked bank account. 

  • Own all operational elements related to these key relationships, including initiatives that will optimize approval rates, minimize returns, and provide a collaborative and respected feedback loop. Develop and execute actionable insights to drive positive impact to the business.

  • Create shared alignment and goals to unlock more creative thinking and approaches. Help us develop a perspective on new ideas in the ecosystem, such as open banking, real-time payments, and same day ACH.

  • Collaborate with analytics and data science teams to design and monitor reports that capture deep insights on bank behavior, including both industry standard reporting as well as Cash-specific metrics. 

  • Keep tabs on changes in the industry and understand how card network rules and regulations will impact our business and card issuers. 

  • Partner with external partners to identify gaps, examine opportunities, and make recommendations to balance cost and payment performance. 

  • Partner with data science, product, and engineering to scope and implement improvements to our payment processing operations.


You have:

  • 8+ years of product or operations experience within banking and/or fintech, specifically in utilization of ACH and other bank account transaction types (wires, RTP).

  • Team building and direct people management experience in a team-oriented workplace.

  • Understanding and experience working with financial institutions at multiple levels. 

  • Exceptional collaborative and troubleshooting/deductive skills including the ability to engage in operational incidents with emerging data to assess impact and drive cross functional collaborative resolution in a timely manner.

  • Strong analytical skills that will allow good reporting and understanding of problems with experience improving the development of reporting, tools and other processes to smooth operation.

  • Exceptional written and verbal presentation skills coupled with the ability to drive


Additional Information

Cash App treats all employees and job applicants equally. Every decision is based on merit, qualifications, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

We will consider for employment qualified applicants with criminal histories in a manner consistent with each office’s corresponding local guidelines.

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. Square 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.

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.

Square, Inc. (NYSE: SQ) builds tools to empower businesses and individuals to participate in the economy. Sellers use Square to reach buyers online and in person, manage their business, and access financing. Individuals use Cash App to spend, send, store, and invest money. And TIDAL is a global music and entertainment platform that expands Square's purpose of economic empowerment to artists. Square, Inc. has offices in the United States, Canada, Japan, Australia, Ireland, Spain, Norway, and the UK.

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