Payment Risk Strategy Expert - Global Payment

PIPO RESOURCE (SG) PTE. LTD.; Singapore; On-site; SGD 60,000 - 80,000; Full time

Job summary

A global technology company in Singapore is seeking a candidate for financial risk management. The role includes designing fraud programs, leading investigations, and analyzing disputed transactions. Strong SQL skills and experience in online payments are required. A collaborative approach is vital in this fast-paced environment. The ideal candidate will have over 5 years of fraud management experience. This position offers a dynamic workplace focused on the safety and efficiency of payment solutions.

Qualifications

• Experience in online payments or financial risk control required.
• Strong ownership and prioritization skills needed.
• Ability to work with cross-functional teams essential.

Responsibilities

• Contribute to the design of fraud programs.
• Lead fraud investigations to identify suspicious trends.
• Analyze cardholder disputed transactions according to regulations.
• Implement tracking and monitoring of decision systems.
• Stay updated on card scheme rules and optimize accordingly.
• Support various initiatives and projects within the risk team.

Skills

Strong SQL skills

Results-driven

Confident communicator

Creative risk management

Tools

Python

Job description

About Us

Founded in 2012, ByteDance's mission is to inspire creativity and enrich life. With a suite of more than a dozen products, including TikTok, Lemon8, CapCut and Pico as well as platforms specific to the China market, including Toutiao, Douyin, and Xigua, ByteDance has made it easier and more fun for people to connect with, consume, and create content.

Why Join ByteDance

Inspiring creativity is at the core of ByteDance's mission. Our innovative products are 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 enrich life - a mission we work towards every day.

As ByteDancers, we strive to do great things with great people. We lead with curiosity, humility, and a desire to make impact in a rapidly growing tech company. By constantly iterating and fostering an "Always Day 1" mindset, we achieve meaningful breakthroughs for ourselves, our Company, and our users. When we create and grow together, the possibilities are limitless. Join us.

Diversity & Inclusion

ByteDance is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At ByteDance, our mission is to inspire creativity and enrich life. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.

Team Introduction

The Global Payment team of ByteDance provides payment solutions - including payment acquisitions, disbursements, transaction monitoring, payment method management, foreign exchange conversion, accounting, reconciliations, and so on to ensure that our users have a smooth and secure payment experience on ByteDance platforms including TikTok.

Responsibilities

• Design and develop data-driven fraud detection programs and models aligned with the company's risk strategy and roadmap, focusing on domains such as stolen cards and account takeovers.
• Conduct end-to-end fraud investigations by leveraging large datasets to identify anomalous and suspicious trends and resolve escalated issues across functional teams taking into consideration risk versus customer experience.
• Analyze disputed cardholder transactions using data analysis, statistical techniques and machine learning to ensure compliance with card scheme regulations and provide subject-matter expertise in payments risk.
• Build, monitor, and optimize fraud data models, dashboard, performance metrics to deliver clear and data-backed insights such as visualization or reports for strategic decision-making.
• Utilize advanced analytics, predictive modeling and programming to detect emerging fraud patterns and develop proactive detection mechanisms.
• Collaborate cross-functionally to transform raw and complex data into actionable insights to improve fraud detection accuracy and operational efficiency.
• Stay current with card scheme rules and regulatory changes, continuously refining data models and strategies accordingly.
• Contribute to the risk team on key projects/intiatives that enhance the overall fraud prevention and risk management framework.

Qualifications

Minimum Qualifications:

• Bachelor's or higher degree in Computer Science, Information Technology or related discipline.
• Strong programming and data querying languages such as SQL and Python, with a strong ability to manipulate and analyze large-scale datasets.
• Hands-on experience in online payments, fraud or financial risk control
• Skilled in fraud analytics, risk modeling, or machine learning within the payments or fintech sector.
• Results-driven and comfortable operating in a fast-paced environment that requires effective prioritization and a strong sense of ownership.
• Effective communicator with the ability to collaborate across all levels of the organization and work cross-functionally with engineering, product and risk.
• Proven ability to automate risk processes and build data models or dashboards to optimize the fraud detection and lifecycle management
• Strong accountability and ability to partner within a global risk and data science organization.

Preferred Qualifications:

• 5+ years of experience in fraud management, data science, or risk strategy, with deep understanding of payment systems and fraud rules.
• Hands-on experience developing fraud algorithms, anomaly detection, or supervised learning models.
• Exposure to multi-market or APAC risk management, with familiarity across diverse regulatory environments.
• Strong accountability and ability to partner within a global risk and data science organization.