H-1B Visa Financial Risk Management Jobs
Financial risk management roles qualify as H-1B visa specialty occupations under USCIS because they require at least a bachelor's degree in finance, economics, mathematics, or a related quantitative field. Banks, asset managers, and insurance firms are among the most consistent H-1B visa sponsors for risk analysts, credit risk managers, and market risk officers.
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Get Access To All JobsINTRODUCTION
Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.
ABOUT ENTERPRISE RISK & INTERNAL AUDIT
The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.
ABOUT THE TEAM
We're looking for an intelligent, driven professional to join our Model Risk Management (MRM) team as a Lead validator for Finance and Analytics models. MRM serves as Affirm's second line of defense, establishing and overseeing an effective model risk management framework to identify, quantify, monitor, mitigate, and report on model risk throughout the company.
- Perform independent challenges of financial and analytics quantitative models — including ALM, allowance/loss forecasting, loan transition models (LTM), corporate financial planning models, take-up and engagement models, and related decision-support analytics — through rigorous validation and ongoing monitoring
- Lead end-to-end validation engagements on high-complexity, high-criticality models
- Identify model weaknesses, limitations, and opportunities for improvement; articulate findings clearly to technical and non-technical stakeholders
- Collaborate with model owners and stakeholders across Finance, Quantitative Research, and Growth Analytics to remediate validation findings and strengthen model governance
- Partner cross-functionally to implement and maintain the company's MRM framework
- Partner with Internal Audit, Internal Controls, Accounting, and Compliance to ensure timely resolution of audit, regulatory, and examiner requests
BASIC QUALIFICATIONS
- 4–6 years of professional experience in related technical areas such as model development, model validation, quantitative finance, or data analytics — with meaningful exposure to financial and/or analytics model validation
- Deep and broad knowledge of corporate finance, treasury, ALM, and/or actuarial/statistical forecasting
- Experience in credit underwriting, credit risk management is a plus
- Proven ability to work with scripting languages (e.g., Python) and large-scale datasets (e.g., SQL); comfort reviewing models built in Excel, Python, Databricks, or similar environments
- Experience with statistical modeling, time-series forecasting, simulation, and/or machine learning techniques as applied to finance and analytics use cases
- BS, MS, or PhD in a quantitative field such as Quantitative Finance, Financial Engineering, Mathematics, Statistics, Economics, Computer Science, or Data Science
- Detail-oriented and intellectually curious about data, models, and business context; skilled at critical thinking and structured problem-solving
- Extraordinary interpersonal and verbal/written communication skills — able to influence model owners, present to senior stakeholders, and navigate cross-functional remediation
COMPENSATION
- USA base pay range (CA, WA, NY, NJ, CT) per year: $185,000 - $245,000
- USA base pay range (all other U.S. states) per year: $164,000 - $224,000
Pay Grade - M
Equity Grade - 8
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
BENEFITS
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
- Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
- Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
- ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
Location: [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
INTRODUCTION
Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.
ABOUT ENTERPRISE RISK & INTERNAL AUDIT
The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.
ABOUT THE TEAM
We're looking for an intelligent, driven professional to join our Model Risk Management (MRM) team as a Lead validator for Finance and Analytics models. MRM serves as Affirm's second line of defense, establishing and overseeing an effective model risk management framework to identify, quantify, monitor, mitigate, and report on model risk throughout the company.
- Perform independent challenges of financial and analytics quantitative models — including ALM, allowance/loss forecasting, loan transition models (LTM), corporate financial planning models, take-up and engagement models, and related decision-support analytics — through rigorous validation and ongoing monitoring
- Lead end-to-end validation engagements on high-complexity, high-criticality models
- Identify model weaknesses, limitations, and opportunities for improvement; articulate findings clearly to technical and non-technical stakeholders
- Collaborate with model owners and stakeholders across Finance, Quantitative Research, and Growth Analytics to remediate validation findings and strengthen model governance
- Partner cross-functionally to implement and maintain the company's MRM framework
- Partner with Internal Audit, Internal Controls, Accounting, and Compliance to ensure timely resolution of audit, regulatory, and examiner requests
BASIC QUALIFICATIONS
- 4–6 years of professional experience in related technical areas such as model development, model validation, quantitative finance, or data analytics — with meaningful exposure to financial and/or analytics model validation
- Deep and broad knowledge of corporate finance, treasury, ALM, and/or actuarial/statistical forecasting
- Experience in credit underwriting, credit risk management is a plus
- Proven ability to work with scripting languages (e.g., Python) and large-scale datasets (e.g., SQL); comfort reviewing models built in Excel, Python, Databricks, or similar environments
- Experience with statistical modeling, time-series forecasting, simulation, and/or machine learning techniques as applied to finance and analytics use cases
- BS, MS, or PhD in a quantitative field such as Quantitative Finance, Financial Engineering, Mathematics, Statistics, Economics, Computer Science, or Data Science
- Detail-oriented and intellectually curious about data, models, and business context; skilled at critical thinking and structured problem-solving
- Extraordinary interpersonal and verbal/written communication skills — able to influence model owners, present to senior stakeholders, and navigate cross-functional remediation
COMPENSATION
- USA base pay range (CA, WA, NY, NJ, CT) per year: $185,000 - $245,000
- USA base pay range (all other U.S. states) per year: $164,000 - $224,000
Pay Grade - M
Equity Grade - 8
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
BENEFITS
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
- Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
- Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
- ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
Location: [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
See all H-1B Visa Financial Risk Management Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship in Financial Risk Management
Align your degree to SOC codes
USCIS evaluates specialty occupation by matching your degree field to the role's SOC code. Pull the O*NET profile for your target title and confirm your transcripts map directly to the listed education requirements before applying.
Target firms with LCA filing history
Use Migrate Mate to filter financial risk management roles by employers with verified H-1B LCA filings through DOL, so every application you submit goes to a company that has already navigated the sponsorship process.
Verify the prevailing wage tier before negotiating
Your employer's LCA must certify a wage at or above DOL's prevailing wage for your location and experience level. Run the OFLC Wage Search for your SOC code and metro area before entering salary discussions so you negotiate above the floor, not below it.
Flag quantitative credentials in your resume early
Hiring managers in risk roles screen for FRM, CFA, or CQF designations alongside degrees. Listing these credentials above your work history signals specialty occupation fit and reduces the likelihood of an RFE on educational equivalency grounds.
Ask about cap-exempt sponsorship at universities and nonprofits
Federal reserve banks, university endowments, and nonprofit research institutions can file H-1B petitions outside the annual 85,000-slot cap. If you're open to these employers, they offer a direct path to status without waiting for the lottery.
Time your offer acceptance around the filing window
USCIS opens H-1B registration in March for an October 1 start date. If you receive an offer in late spring or summer and weren't selected, ask whether the employer will use cap-exempt status or file for the next fiscal year to keep the role open.
H-1B Visa Financial Risk Management: Frequently Asked Questions
Does financial risk management qualify as an H-1B specialty occupation?
Yes. Financial risk management qualifies because USCIS requires roles to demand at least a bachelor's degree in a specific field, and risk positions routinely require degrees in finance, mathematics, statistics, or economics. Employers document this through the LCA and I-129 petition. Roles with vague degree requirements like 'any business degree' can draw RFEs, so your employer should specify the field in the job description.
Which types of employers most commonly sponsor H-1B visas for risk roles?
Commercial banks, investment banks, insurance companies, asset managers, and financial technology firms sponsor the most H-1B petitions for risk professionals. Federal reserve banks and certain nonprofit research institutions are also active sponsors and can file outside the annual cap. Browse Migrate Mate to see which employers have active H-1B LCA filings specifically for financial risk management titles.
Can my employer file an H-1B petition if I'm currently on OPT?
Yes, and the timing is deliberate. Your employer registers you in the March lottery for an October 1 start. If your OPT expires before October 1 and you were selected, the cap-gap rule automatically extends your OPT authorization until your H-1B becomes effective. If your OPT runs out before the lottery opens, STEM OPT extension may bridge the gap, so confirm your end date with your DSO early.
What documentation does my employer need to prove specialty occupation for a risk role?
Your employer must show that the position normally requires a degree in a specific field related to risk management. Supporting documents typically include the job description tied to an SOC code, internal compensation benchmarks aligned with DOL prevailing wage data, and evidence that comparable industry roles carry the same degree requirement. Industry salary surveys and peer job postings referencing degree requirements strengthen the petition against RFEs.
How does the H-1B prevailing wage requirement affect risk management job offers?
DOL sets four wage levels for each SOC code and geographic area, and your employer's LCA must certify a wage at or above the level matching your experience. Level I covers entry-level analysts, while Level III or IV applies to senior risk managers and directors. Offers below the certified wage level violate the LCA, so use the OFLC Wage Search to verify your level before accepting an offer.