Company Description

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 47 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.

Check out our locations, benefits, and more at cash.app/careers.

Job Description

This opportunity is only open to students who are currently enrolled in either a Masters or PhD program and offers an 8-month term (with a possibility for extension) on Cash App's Risk AI team starting in Summer or Fall of 2024. If you've already graduated (or are set to graduate before May 2023) please apply to one of our full-time roles.

Machine Learning is an integral part of how we design products, operate, and pursue Cash App's mission to serve the unbanked as well as disrupt traditional financial institutions. Our massive scale and deep trove of transaction data create an endless number of opportunities to use artificial intelligence to better understand our customers and offer new products and experiences that can improve their lives. We are a highly creative group that prefers to solve problems from first principles; we move quickly, make incremental changes, and deploy to production every day.

The objective of this project is to systematically test and validate advanced sequential models (including bi-directional RNN, auto-regressive CNN, transformers, and neural controlled differential equations) on time-series data generated within Cash. Cash App collects a variety of signals about how our customers interact with the platform - we will determine the best way to make use of these data using state-of-the-art deep learning methods.

Deep sequential models offer the potential to significantly improve our ability to detect fraudulent behaviour while reducing the time-consuming (and hence expensive) process of manual feature-creation and curation. Models will be benchmarked for automated extraction and detection of fraud patterns within sequential transactional data (e.g. cash in, cash out, p2p, etc).

Over the course of your term, you will:

• Craft standardized and reusable datasets for consistent benchmarking and testing of sequence models
• Provide quantitative assessment of the advantages and disadvantages of different model classes based on accuracy, precision/recall, training cost, training time, data requirements, and interpretability
• Create a modular and well documented codebase which can be easily used for other sources of sequential data within the Block ecosystem Technologies we use (and teach):

Technologies we use (and teach):

• Python, NumPy, Pandas, PyTorch, TensorFlow, keras, JAX, Julia
• MySQL, Snowflake, GCP/AWS and Tableau
• Java

Qualifications

You have:

• 1-2 years of experience with applied Deep Learning
• Proven ability to implement in practice neural network architectures described in literature using frameworks such as PyTorch or Tensorflow
• Experience with advanced techniques like graph embeddings, irregular sequence modeling and time-series forecasting, uncertainty quantification, anomaly detection, and neural ODEs is a big plus
• An appreciation for the connection between the software and models you build and the experience it delivers to customers
• Have a curious, passionate, growth-oriented mindset

Additional Information

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 the candidate's work location and may be may be modified in the future.

Zone A: USD $51.00
Zone B: USD $48.45
Zone C: USD $45.90
Zone D: USD $43.35

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.

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.

Full-time employee benefits include the following:

• Healthcare coverage (Medical, Vision and Dental insurance)
• Health Savings Account and Flexible Spending Account
• Retirement Plans including company match 
• Employee Stock Purchase Program
• Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance 
• Paid parental and caregiving leave
• Paid time off (including 12 paid holidays)
• Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees) 
• Learning and Development resources
• Paid Life insurance, AD&D, and disability benefits 
• Additional Perks such as WFH reimbursements and free access to caregiving, legal, and discounted resources 

These benefits are further detailed in Block's policies. This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

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 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. 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, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.