Fintech Risk Management - USDS

Responsibilities

Team Intro:
The Payment team of U.S. Data Security department of TikTok provides payment solutions - including payment acquisitions, disbursements, transaction monitoring, payment method management, foreign exchange conversion, accounting, reconciliations, and so on - to ensure that users have a smooth and secure payment experience on TikTok platform.

This is a hybrid role designed for a FinTech expert who thrives at the intersection of operational data analysis, financial integrity, and real-world operational execution. You will leverage data to optimize critical payment risk workstreams, including transaction-level fraud reviews, User/Merchant risk assessments, and Chargeback Representment optimization.

In this role, you will be responsible for the health of our financial ecosystem. You will dive into vast datasets to identify sophisticated FinTech fraud typologies in real-time-such as card testing, synthetic identity clusters, and account takeovers (ATO)-and translate these findings into robust operational processes. However, your goal isn't just to manage manual reviews; it is to resolve manual bottlenecks. You will work with product and engineering to implement AI-driven tooling and AI Agents to automate the ingestion of dispute evidence and payment signals, ensuring our response to fraud is as fast as the attacks themselves.

Responsibilities:
- Fraud Investigation: Analyze user behavior, device fingerprints, and login patterns to identify ATO (Account Takeover) and collusion. Build automated triggers to freeze suspicious accounts before financial loss occurs. Perform some hands-on risk reviews for high-value transactions and complex cases to stay grounded in the latest fraud trends.
- Chargeback & Dispute Strategy: Oversee the end-to-end contestment process. Use data to identify winnable chargebacks, automate the evidence-gathering process to improve win rate, and improve system performances of the automated representment.
- SOP Design & Optimization: Develop and maintain rigorous Risk Operations SOPs. Conduct gap analyses on existing manual reviews to determine where human intervention is required versus where AI can take over.
- AI and Automation Implementation: Identify opportunities to replace manual workflows with AI agents. Partner with Engineering to implement solutions such as OCR, LLM-based document parsing, and automated risk scoring.

Qualifications

Minimum Qualifications:
- Experience: 3+ years in a quantitative analytical role, specifically within Risk Operations, Trust & Safety, or FinTech.
- Technical Stack: SQL and Python for data analysis and modeling. Experience in building complex, automated reporting suites in BI tools such as Tableau.
- Education: Master's degree in Business Analytics, Statistics, Computer Science, or a related quantitative field.

Preferred Qualifications:
- AI/ML Experience: Hands-on experience implementing AI agents or machine learning models to automate operational workflows (e.g., using LLMs for text classification or Vision models for ID verification).
- BPO Management: Experience managing external vendors or large-scale moderation workforces.

Job Information

[For Pay Transparency] Compensation Description (annually)

The base salary range for this position in the selected city is $102400 - $219556 annually.

Compensation may vary outside of this range depending on a number of factors, including a candidate's qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work, and this role may be eligible for additional discretionary bonuses/incentives, and restricted stock units.

Benefits may vary depending on the nature of employment and the country work location. Employees have day one access to medical, dental, and vision insurance, a 401(k) savings plan with company match, paid parental leave, short-term and long-term disability coverage, life insurance, wellbeing benefits, among others. Employees also receive 10 paid holidays per year, 10 paid sick days per year and 17 days of Paid Personal Time (prorated upon hire with increasing accruals by tenure).

The Company reserves the right to modify or change these benefits programs at any time, with or without notice.

For Los Angeles County (unincorporated) Candidates:

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws including the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act. Our company believes that criminal history may have a direct, adverse and negative relationship on the following job duties, potentially resulting in the withdrawal of the conditional offer of employment: