{"schemaVersion":"jobsearcher.job.v1","id":"eba0ca79e3752085b2b7949f","url":"https://jobsearcher.com/jobs/eba0ca79e3752085b2b7949f","canonicalUrl":"https://jobsearcher.com/jobs/eba0ca79e3752085b2b7949f","title":"Machine Learning Engineer (Modeling)","description":"OverviewMachine 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. Check out our Machine Learning / AI blog here!WorkstreamsThis role is part of our Cash App's ML team and will be deeply embedded within one of our product teams — here are the workstreams we're currently hiring for:HealthYou'll build machine learning models that detect fraudulent activity in real time and help keep our customers safe and secure. You will experiment with state‐of‐the‐art algorithms to drive down false positives, collaborate on new product features to drive fraud losses down, use any and every dataset at your disposal (including 3rd‐party data) to engineer new features for risk models, verify customer documents using OCR, and use biometric and device signals to detect malicious logins and account takeovers.Customer Support AutomationWe aim to create better‐than‐human Customer Support Experiences. Cash App holds people's money, and building customers' trust is absolutely essential to our brand. Providing fast and reliable help whenever the customer needs it is a major component of building that trust. You will build models that anticipate customer issues and deliver proactive in‐app suggestions, use NLP to contextualize inquiries and respond instantly with relevant content, develop prioritization algorithms that improve efficiency, and apply the latest research to automate conversations with customers.Underwriting and CreditOur mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. This team builds and integrates ML solutions for evaluating customer cash flow risk including risk of default on credit obligations, risk of fraud & abuse of loans and other situations where Cash App advances funds or provides liquidity to customers. We support multiple products across 4+ workstreams in Cash. Through your work you will empower the team to understand the financial performance of origination cohorts, optimize our automated decisioning pipeline using AI/ML, and help identify new opportunities for growth in our customer base. You will experiment with various modeling techniques on our comprehensive customer data and see your solution through to production by partnering cross‐functionally with finance, product, and engineering teams.Commerce Fraud RiskAfterpay is the largest Buy Now, Pay Later product by market share in Australia and continues to experience rapid growth in the United States. Throughout this journey, we encounter risks and challenges from various aspects. The Commerce Fraud and Merchant Risk Team utilizes cutting‐edge modeling technologies to effectively mitigate both fraud and merchant risks. Simultaneously, we collaborate with highly efficient product and development teams to continuously build and enhance a competitive risk management engine within the industry.Technologies we use (and teach)Python (NumPy, Pandas, sklearn, xgboost, TensorFlow, keras, etc.)MySQL, Snowflake, GCP/AWS and TableauJavaQualifications5+ years experience with applied Machine Learning or Deep LearningA graduate degree in Computer Science, AI, ML, Applied Math, Stats, Physics, or a related technical fieldWorked with Product, Design, and Engineering to prioritize, scope, design, and deploy ML modelsA track record of providing mentorship and technical leadershipAn appreciation for the connection between the software you build and the experience it delivers to customersBenefitsHealthcare coverage (Medical, Vision and Dental insurance)Health Savings Account and Flexible Spending AccountRetirement Plans including company matchEmployee Stock Purchase ProgramWellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowancePaid parental and caregiving leavePaid 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 resourcesPaid Life insurance, AD&D, and disability benefitsLegalThis 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.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. #J-18808-Ljbffr","company":"Block","rawCompany":"block","city":"Millbrae","state":"CA","isRemote":false,"isActive":false,"createdAt":"2026-08-03T23:54:48.228Z","occupations":[{"code":"15-2051.00","title":"Data Scientists","slug":"data-scientists"},{"code":"15-1252.00","title":"Software Developers","slug":"software-developers"},{"code":"15-1221.00","title":"Computer and Information Research Scientists","slug":"computer-and-information-research-scientists"}],"industries":[{"code":"541511","title":"Custom Computer Programming Services","slug":"custom-computer-programming-services"},{"code":"522291","title":"Consumer Lending","slug":"consumer-lending"},{"code":"513210","title":"Software Publishers","slug":"software-publishers"}],"jobPosting":{"@context":"https://schema.org","@type":"JobPosting","title":"Machine Learning Engineer (Modeling)","description":"OverviewMachine 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. Check out our Machine Learning / AI blog here!WorkstreamsThis role is part of our Cash App's ML team and will be deeply embedded within one of our product teams — here are the workstreams we're currently hiring for:HealthYou'll build machine learning models that detect fraudulent activity in real time and help keep our customers safe and secure. You will experiment with state‐of‐the‐art algorithms to drive down false positives, collaborate on new product features to drive fraud losses down, use any and every dataset at your disposal (including 3rd‐party data) to engineer new features for risk models, verify customer documents using OCR, and use biometric and device signals to detect malicious logins and account takeovers.Customer Support AutomationWe aim to create better‐than‐human Customer Support Experiences. Cash App holds people's money, and building customers' trust is absolutely essential to our brand. Providing fast and reliable help whenever the customer needs it is a major component of building that trust. You will build models that anticipate customer issues and deliver proactive in‐app suggestions, use NLP to contextualize inquiries and respond instantly with relevant content, develop prioritization algorithms that improve efficiency, and apply the latest research to automate conversations with customers.Underwriting and CreditOur mission is to redefine credit and liquidity through simple, fair, and accessible credit solutions that build financial health and resilience. This team builds and integrates ML solutions for evaluating customer cash flow risk including risk of default on credit obligations, risk of fraud & abuse of loans and other situations where Cash App advances funds or provides liquidity to customers. We support multiple products across 4+ workstreams in Cash. Through your work you will empower the team to understand the financial performance of origination cohorts, optimize our automated decisioning pipeline using AI/ML, and help identify new opportunities for growth in our customer base. You will experiment with various modeling techniques on our comprehensive customer data and see your solution through to production by partnering cross‐functionally with finance, product, and engineering teams.Commerce Fraud RiskAfterpay is the largest Buy Now, Pay Later product by market share in Australia and continues to experience rapid growth in the United States. Throughout this journey, we encounter risks and challenges from various aspects. The Commerce Fraud and Merchant Risk Team utilizes cutting‐edge modeling technologies to effectively mitigate both fraud and merchant risks. Simultaneously, we collaborate with highly efficient product and development teams to continuously build and enhance a competitive risk management engine within the industry.Technologies we use (and teach)Python (NumPy, Pandas, sklearn, xgboost, TensorFlow, keras, etc.)MySQL, Snowflake, GCP/AWS and TableauJavaQualifications5+ years experience with applied Machine Learning or Deep LearningA graduate degree in Computer Science, AI, ML, Applied Math, Stats, Physics, or a related technical fieldWorked with Product, Design, and Engineering to prioritize, scope, design, and deploy ML modelsA track record of providing mentorship and technical leadershipAn appreciation for the connection between the software you build and the experience it delivers to customersBenefitsHealthcare coverage (Medical, Vision and Dental insurance)Health Savings Account and Flexible Spending AccountRetirement Plans including company matchEmployee Stock Purchase ProgramWellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowancePaid parental and caregiving leavePaid 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 resourcesPaid Life insurance, AD&D, and disability benefitsLegalThis 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.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. #J-18808-Ljbffr","datePosted":"2026-08-03T23:54:48.228Z","dateModified":"2026-08-03T23:54:48.228Z","hiringOrganization":{"@type":"Organization","name":"Block","sameAs":"https://jobsearcher.com"},"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Millbrae","addressRegion":"CA","addressCountry":"US"}},"identifier":{"@type":"PropertyValue","name":"JobSearcher","value":"eba0ca79e3752085b2b7949f"},"url":"https://jobsearcher.com/jobs/eba0ca79e3752085b2b7949f"}}