Software Engineer, Payment Risk - Global Payment - Global Payment

ByteDance; San Jose (CA); On-site; USD 162,000 - 388,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401(k) Matching

Parental Leave

Disability Insurance

Life Insurance

Wellbeing Benefits

Paid Holidays

Paid Sick Days

Paid Personal Time

Job summary

ByteDance is seeking a Software Engineer for Payment Risk in San Jose to join the Global Payment team. You will design and build risk signals, develop AI-powered risk analysis tools, and own end-to-end data pipelines and services.

Collaborate with engineering, product, and risk teams to deliver scalable risk solutions across multiple markets. The role emphasizes building production-grade systems, leveraging AI to detect threats, and improving risk detection capabilities for global payments.

Qualifications

• Bachelor's degree in Computer Science, Software Engineering, or related field.
• Around 5 years of professional software engineering experience.
• Proficiency in Python, Go, or Java; solid fundamentals in data structures, algorithms, software design, testing, and debugging.
• Experience building backend services, data-intensive applications, or analytical platforms; proficiency in SQL.
• Ability to turn ambiguous business requirements into clear technical designs and own delivery.
• Interest in applying LLMs and AI agents to risk analysis and intelligence problems.
• Clear communication and strong ownership; experience collaborating across globally distributed teams.

Responsibilities

• Design and build tools for risk signal monitoring, anomaly discovery, and investigation workflows.
• Develop and productionize LLM-powered applications and AI agents for risk analysis.
• Build end-to-end platforms connecting risk signal collection, detection, intelligence enrichment, and risk strategies.
• Own the technical design and delivery of services, data pipelines, and APIs for risk analysis.
• Collaborate with cross-functional teams to set priorities and drive improvements.

Skills

Python/Go/Java

SQL

Strong problem-solving

Collaboration across teams

Ownership

Education

Bachelor's degree in CS/SE or related

Job description

Software Engineer, Payment Risk - Global Payment - Global Payment

Location:

San Jose

Team:

Employment Type:

Regular

Job Code:

A229949

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Responsibilities

The Global Payment Tech team is the core engine powering ByteDance's global payment and financial services, spanning payment acquiring, wallets, financial products, insurance, and foreign exchange for users and merchants worldwide. We span engineering, data, and AI, building high-concurrency, highly available systems across multi-currency, multi-market complexity, and embedding AI into risk control, credit decisioning, and operations automation. You will grow cross-disciplinary expertise at the intersection of payments, finance, and AI. The Global Payment team builds platforms and solutions that support payments across ByteDance's products and services, helping businesses deliver secure and reliable payment experiences globally. The Payment Risk Team provides end-to-end payment risk control solutions, focusing on identifying, assessing, and mitigating risks in global payment transactions. We build capabilities, tools, and platforms for risk analysis, proactive risk detection, and risk intelligence, helping teams discover emerging threats, investigate suspicious activity, and turn insights into risk management decisions.

• Design and build tools for risk signal monitoring, anomaly discovery, transaction and account investigation, and entity relationship analysis; integrate internal risk signals and external intelligence to identify suspicious behavior, uncover emerging patterns, and support timely investigation.
• Develop and productionize LLM-powered applications and AI agents for risk analysis and intelligence, including intelligence collection and extraction, information retrieval, tool-assisted investigation, evidence synthesis, and report generation; establish evaluation and feedback mechanisms to improve output quality, traceability, and usefulness.
• Build and evolve end-to-end platforms and workflows connecting risk signal collection, proactive detection, intelligence enrichment, investigation, and feedback to risk strategies; make risk insights reusable and workflows repeatable, measurable, and easier to scale.
• Own the technical design and delivery of services, data pipelines, and APIs supporting risk analysis, monitoring, and intelligence; improve reliability, performance, observability, and data access controls as usage and business needs grow.
• Work across engineering, product, data, and risk teams to define priorities and deliver solutions; contribute to design and code reviews, share technical knowledge, and drive improvements based on user feedback and production results.

Qualifications

Minimum Qualifications

• Bachelor's degree in Computer Science, Software Engineering, or a related technical field, or equivalent practical experience.
• Around 5 years of professional software engineering experience, with a track record of independently designing, delivering, and operating production systems or substantial components.
• Strong proficiency in at least one programming language such as Python, Go, or Java, with solid fundamentals in data structures, algorithms, software design, testing, and debugging.
• Experience building backend services, data-intensive applications, or analytical platforms; proficiency in SQL and the ability to work with complex datasets to investigate problems and validate findings.
• Ability to turn ambiguous business requirements into clear technical designs, make sound engineering trade-offs, and own delivery through deployment, monitoring, and iteration.
• Strong analytical and problem-solving skills, with an interest in applying LLMs and AI agents to practical risk analysis, detection, and intelligence problems and evaluating their effectiveness.
• Clear communication, a strong sense of ownership, and experience collaborating across functions in a globally distributed team.

Preferred Qualifications

• Experience in payments, fraud detection, risk management, trust and safety, or related domains, with an understanding of risk monitoring, intelligence analysis, investigation, or strategy workflows.
• Hands-on experience delivering LLM applications or AI agents, including retrieval-augmented generation, tool calling, workflow orchestration, and evaluation of model outputs.
• Experience building risk monitoring systems, intelligence platforms, investigation tools, analytical workbenches, knowledge retrieval systems, or entity and graph analysis capabilities.
• Experience with large-scale data processing, batch or streaming pipelines, and distributed systems supporting analytical workloads.
• Demonstrated impact in improving risk discovery, analyst productivity, intelligence quality, or the adoption of internal tools; experience supporting other engineers through technical reviews and knowledge sharing.

Job Information

The base salary range for this position in the selected city is $162000 - $387600 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:

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

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.

Reasonable Accommodation

ByteDance 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/RA-request