Payment Risk Strategy Expert - Global Payment - Global Payment

BYTEDANCE PTE. LTD.; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

ByteDance is seeking a Global Payment Risk professional to own end-to-end risk control for payments across platforms, including TikTok Shop. You will lead fraud prevention initiatives, investigate suspicious activity, and monitor risk systems while partnering with analytics teams to deliver actionable insights.

This role demands strong programming, data skills, and stakeholder engagement. Based in Singapore, you will contribute to a fast-paced, evolving environment and help ensure secure,

Qualifications

• Bachelor's degree or higher in a relevant field.
• Strong programming and data querying skills, especially SQL and Python.
• At least 3 years of experience in fraud management or risk.
• Strong analytical and logical thinking; translate data into risk strategies.
• Ownership, prioritisation, and ability to thrive in a fast-paced environment.
• Excellent communication and stakeholder management skills.
• Proactive and innovative mindset for risk improvement.

Responsibilities

• Contribute to fraud prevention program design aligned with risk roadmap; focus on stolen card and ATO.
• Lead investigations; balance risk mitigation with customer impact.
• Analyse cardholder disputes per card scheme rules; provide risk expertise.
• Monitor performance of risk decision systems and models.
• Develop dashboards/reports with Risk Analytics for performance evaluation.
• Stay updated on card scheme rules and industry developments; enhance strategies.
• Support Risk team initiatives and collaborate with cross-functional stakeholders.

Skills

SQL

Python

Fraud risk

Data analysis

Stakeholder management

Communication

Education

Bachelor's degree in Computer Science, Information Technology, Data Science, Statistics, Mathematics or related

3+ years of experience in fraud management or risk

Tools

Fraud rule development

Job description

Responsibilities

The Global Payment Risk team delivers end-to-end payment risk control across mutiple business lines, including TikTok Shop, TikTok LIVE, monetization and ads, and games. Our risk expertise spans numerous countries and a wide range of payment methods, forming the security foundation behind cross-border pay-in, pay-out, and withdrawal. We manage fraud, financial crime, and compliance risk in real time, meeting card-scheme and issuer requirements while keeping friction low for legitimate transactions.

Risk control directly shapes payment success rates and how fast the business can move. You will own the full risk-control loop, from strategy and algorithms to product and operations, putting your decisions straight into real transactions for hundreds of millions of users worldwide. 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.

This role is part of the Payments Risk team, focusing on payment risk and fraud prevention strategies for TikTok Shop across Europe, including the EU and UK markets. We are looking for candidates with a strong foundation in risk management, combined with technical and analytical capabilities. Candidates from Fraud Risk, Payment Risk, Credit Risk or other relevant risk backgrounds are welcome, particularly those with hands‑on experience in data analytics, modelling and programming.

Responsibilities

• Contribute to the design and implementation of fraud prevention programs and initiatives in alignment with the defined risk roadmap and risk appetite, with a particular focus on stolen card fraud and account takeover (ATO).
• Lead fraud investigations to identify suspicious patterns and emerging trends, and resolve escalated issues raised by cross-functional teams while balancing risk mitigation with customer impact.
• Analyse cardholder disputed transactions in accordance with card scheme rules and regulations, providing subject matter expertise on payment risk management.
• Establish ongoing tracking and monitoring of the performance of risk decision systems and models.

Partner with the Risk Analytics team to develop clear and insightful visualisations, dashboards and reports to support performance evaluation and optimisation.

• Stay up to date with changes in card scheme rules, regulations and industry developments, and identify opportunities to enhance existing risk strategies and controls accordingly.
• Support the Risk team on various strategic initiatives, process improvements and ad hoc projects as required.
• Work independently and collaboratively with team members and cross-functional stakeholders to achieve the overall objectives of the Risk team.

Qualifications

Minimum Qualification(s):

• Bachelor's degree or above in Computer Science, Information Technology, Data Science, Statistics, Mathematics or other relevant disciplines.
• Strong programming and data querying skills, particularly in SQL and Python, with the ability to extract, manipulate and analyse large datasets.
• At least 3 years of relevant experience in fraud management, fraud strategy or other risk management domains.
• Strong analytical and logical thinking skills, with the ability to identify patterns, solve complex problems and translate data insights into actionable risk strategies.
• Results-oriented, with strong ownership and prioritisation skills and the ability to thrive in a fast-paced and evolving environment.
• Effective communication and stakeholder management skills, with the ability to collaborate closely with cross-functional teams and engage stakeholders at different levels.
• Proactive and innovative mindset, with the ability to identify new approaches to risk management and continuously improve existing strategies and processes.

Preferred Qualification(s):

• Strong knowledge of the payments industry and hands‑on experience in fraud rule development are highly desirable.
• Prior experience in e-Commerce payment risk management or control is preferred.
• Experience in fraud risk-related algorithms, statistical modelling or predictive analytics.
• Experience in developing and implementing end-to‑end risk strategy frameworks, from risk identification and strategy design to implementation, performance monitoring and continuous optimisation.
• Experience in payment fraud, transaction fraud, card fraud or credit risk management.

Job Information

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.