Fintech Risk Management Specialist

TikTok USDS Joint Venture; San Jose (CA); On-site; USD 144,000 - 329,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) with company match

Paid parental leave

Short-term disability

Long-term disability

Life insurance

Wellbeing benefits

10 paid holidays per year

10 paid sick days per year

17 days Paid Personal Time

Job summary

TikTok USDS Joint Venture LLC is seeking a data-driven specialist to strengthen financial ecosystem health by analyzing large datasets to detect advanced FinTech fraud typologies in real-time. You will help build AI-driven tooling and automation to speed up dispute handling and risk scoring, while reducing manual bottlenecks across product and engineering teams.

Role focuses on automating ingestion of dispute evidence, implementing AI agents, and improving fraud response speed, with hands-on

Qualifications

• 1+ years of quantitative analytical experience in Risk Operations, Trust & Safety, or FinTech.
• SQL is required; Python for data analysis is a plus.
• Bachelor's degree in Business Analytics, Statistics, Computer Science, or related field.

Responsibilities

• Fraud Investigation: analyze behavior, device fingerprints, login patterns to identify ATO and collusion; build automated triggers for suspicious accounts.
• Chargeback & Dispute Strategy: oversee end-to-end contestment; automate evidence gathering to improve win rate.
• SOP Design & Optimization: develop and maintain risk operations SOPs; analyze gaps to determine AI coverage.
• AI and Automation Implementation: identify opportunities to replace manual workflows with AI agents; collaborate with Engineering on OCR and LLM-based parsing.

Skills

SQL

Python (data analysis)

Tableau

Education

Bachelor's degree in Business Analytics or related

Tools

Tableau

Job description

Responsibilities

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.

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.

• 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: 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 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 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 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.

Why Join Us

Inspiring creativity is at the core of TikTok'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 day.

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. Every challenge is an opportunity to learn and innovate as one team. We're resilient and embrace challenges as they come. 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

TikTok 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 TikTok, our mission is to inspire creativity and bring joy. 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.

USDS Reasonable Accommodation

USDS is committed to providing reasonable accommodations in our recruitment processes for candidates with disabilities, pregnancy, sincerely held religious beliefs or other reasons protected by applicable laws. If you need assistance or a reasonable accommodation, please reach out to us at https://tinyurl.com/USDS-RA

Job Information

【For Pay Transparency】Compensation Description (Annually)

The base salary range for this position in the selected city is $144000 - $329334 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:

• Interacting and occasionally having unsupervised contact with internal/external clients and/or colleagues;
• Appropriately handling and managing confidential information including proprietary and trade secret information and access to information technology systems;
• Exercising sound judgment.