Fintech Risk Management Specialist

Responsibilities

The Payment team of U.S. Data Security department of Tik Tok 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 Tik Tok platform.

In this role, you will be responsible for the health of our financial ecosystem. You will dive into vast datasets to identify sophisticated Fin Tech 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.

• 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.

Minimum Qualifications:

• Experience:
  
  1+ years in a quantitative analytical role, specifically within Risk Operations, Trust & Safety, or Fin Tech.
• Technical Stack: SQL is required, Python for data analysis is a plus. Experience in building reporting suites in BI tools such as Tableau.
• Education:
  
  Bachelor's degree in Business Analytics, Statistics, Computer Science, or a related quantitative field.

Preferred Qualifications:

• BPO Management:
  Experience managing external vendors or large-scale moderation work forces.
• 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 ).

Tik Tok USDS Joint Venture LLC is dedicated to the safety and security of millions of Americans who create, discover, and connect with what they love on the apps we operate. The Joint Venture has been established in compliance with the Executive Order signed by President Trump on September 25, 2025. Our foundation is a comprehensive data privacy and cybersecurity program we operate under defined safeguards to protect national security and secure U.S. user data, apps and the algorithm.

We safeguard the U.S. content ecosystem, holding decision‑making authority for trust and safety policies and moderation. USDS Joint Venture helps ensure Americans can continue to express their creativity, discover new hobbies and interests, and build thriving communities and businesses on a global scale.

On‑site presence across teams allows the company to operate with greater speed, alignment, and agility — especially in areas like real‑time decision‑making, team development, and integrated execution. As such, the company is shifting from a hybrid work model to a fully in‑person schedule up to 5 days a week.

Inspiring creativity is at the core of Tik Tok's mission. Our innovative product is built to help people authentically express themselves, discover and connect – and our global, diverse teams make that possible. Together, we create value for our communities, inspire creativity and bring joy - a mission we work towards every…