Fintech Risk Management Specialist

About the Role

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, and reconciliations—to ensure users have a smooth and secure payment experience on the TikTok platform. 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. Your goal is to resolve manual bottlenecks by working with product and engineering to implement AI-driven tooling and AI Agents that automate dispute evidence ingestion 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 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 evidence-gathering to improve win rates, and enhance system performance for 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.

Requirements

Minimum Qualifications

• Experience: 1+ years in a quantitative analytical role, specifically within Risk Operations, Trust & Safety, or FinTech.
• Technical Stack: SQL is required; Python for data analysis is a plus. Experience 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 workforces.
• 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).

About USDS TikTok

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 was 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 operated under defined safeguards to protect national security and secure U.S. user data, apps, and algorithms. We safeguard the U.S. content ecosystem, holding decision-making authority for trust and safety policies and moderation. USDS helps ensure Americans can continue to express creativity, discover new 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.

Why Join Us

Inspiring creativity is at the core of TikTok's mission. Our innovative product helps people authentically express themselves, discover, and connect—and our global, diverse teams make that possible. We create value for our communities, inspire creativity, and bring joy. We lead with curiosity, humility, and a desire to make an impact in a rapidly growing tech company. Every challenge is an opportunity to learn and innovate as one team. We embrace challenges and foster an "Always Day 1" mindset to achieve meaningful breakthroughs for ourselves, our company, and our users.

Pay

The base salary range for this position is $144,000 – $329,334 annually. Compensation may vary outside this range depending on qualifications, skills, competencies, experience, and location. Base pay is one part of the total package, which may include additional discretionary bonuses, incentives, and restricted stock units.

Benefits

• Day-one access to medical, dental, and vision insurance.
• 401(k) savings plan with company match.
• Paid parental leave.
• Short-term and long-term disability coverage.
• Life insurance.
• Wellbeing benefits.
• 10 paid holidays per year.
• 10 paid sick days per year.
• 17 days of Paid Personal Time (prorated upon hire with increasing accruals by tenure).