Investigator, Special Investigations Unit - Cash App

We are looking for an Investigator to join Square and support the continued build and evolution of our Cash App Financial Crimes team. The mission of the Special Investigations Unit (SIU) at Square is to monitor and act upon high level, complex compliance-related escalations and referrals within Cash App; investigate and document incidents of potential money laundering, fraud, terrorist financing, elder abuse, commercial sex trafficking, employee misconduct investigations, and other illicit activities; work with several law enforcement agencies and track/log inquiries and 314(b) requests; write and review Suspicious Activity Reports to be transmitted to FinCEN and other applicable agencies.

We investigate to ensure the safety and soundness of the Square system and maintain a healthy, compliant user base.

You will support the Cash App Financial Crimes SIU team by investigating potentially suspicious activity across the Cash App platform. You will work with the broader Financial Crimes team to ensure compliance with applicable laws, regulations and industry best practices.

You will:

• Monitor and act upon high-level, complex compliance-related escalations and referrals within Cash App
• Use detective-like mentality to investigate potentially suspicious activity across all AML typologies across the Cash App platform
• Verify customer and counterparty information and conduct reviews for AML/BSA purposes
• Work with your partners to ensure full compliance with all applicable laws and policies
• Occasionally attend compliance-related seminars to stay informed about the compliance industry

• ​​​​​​​5+ years experience in BSA/AML/Compliance or Fraud/Risk related work in a financial institution or related FinTech payments space and understanding of all AML laws, rules and regulations.
• Investigative skills, including familiarity with public record research and database tools.
• Knowledge of AML transaction monitoring/suspicious activity reporting typologies and risks regarding funds transfers/p2p payments, equities, and cryptocurrency.
• Can work well in a team setting, and liaison with several law enforcement agencies and government agencies
• Work and meet regulatory mandates and filing deadlines
• You can demonstrate transaction skills that apply across numerous financial products in complex scenarios
• Support Cash App Financial Crimes and work in collaboration with Customer Support, Risk, Engineering, and other operations teams within Square as a whole

Even Better:

• Relevant industry certifications (CAMS, CFE, CFCS, CRCM)
• Experience with SQL or Snowflake
• Experience drafting and authoring SAR narratives for a financial institution such as a bank or broker dealer
• Create presentations for partners and vendor staff.
• Law enforcement or forensic accounting background.
• Experience with QC design, implementation, and operations.
• Work end to end, providing regular updates to management

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, 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. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page. 

Additionally, we consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.

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.