H-1B Visa Risk Management Consultant Jobs
Risk Management Consultant roles qualify as H-1B visa specialty occupations under the business and financial operations category, requiring at least a bachelor's degree in risk management, finance, or a related field. Employers in financial services, insurance, and consulting actively file H-1B petitions for this role, with the annual cap-subject lottery running each April for October 1 start dates.
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Get Access To All JobsINTRODUCTION
We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Our Payments Risk team builds and operates decisioning capabilities across Signal and Guarantee. We help customers tune thresholds and rules so they can approve more good transactions while reducing returns. For Guarantee, this work also protects the economics of the risk Plaid underwrites.
ROLE AND RESPONSIBILITIES
You will be the technical, customer-facing Payment Risk Consulting Lead for Signal and Guarantee. You will interpret model outputs, diagnose customer performance, and turn that analysis into concrete threshold and rules recommendations. You will own proofs of concept and retros, improve existing integrations, and help the team identify patterns that can be scaled through better processes and product capabilities.
- Own customer proofs of concept and retros from analysis through recommendations and follow-through.
- Proactively optimize Signal customers, prioritizing accounts with high return rates.
- Read model outputs and diagnose the drivers of authorization and return-rate performance.
- Recommend threshold and rules changes that align with each customer's risk and authorization goals.
- Help Guarantee customers tune thresholds to achieve target authorization rates while protecting loss performance.
- Partner with AEs and TAMs to bring deep product and modeling expertise into customer engagements.
- Improve decision and return reporting from customers to strengthen their experience and Plaid's models.
- Turn recurring customer insights into onboarding playbooks and product requirements.
BASIC QUALIFICATIONS
- 5–10 years of experience
- Comfortable pulling and cutting your own data (SQL)
- Experience interpreting risk, decisioning, or other quantitative model outputs.
- Experience diagnosing performance problems and making data-backed threshold or rules recommendations.
- Strong customer-facing consulting and communication skills.
- Experience partnering across go-to-market and technical teams.
- Demonstrated ability to build repeatable processes in an ambiguous environment.
PREFERRED QUALIFICATIONS
- [Nice to have] Experience at a fraud or risk-scoring vendor, credit bureau, or bank / processor risk team.
- [Nice to have] Familiarity with cash flow or bank transaction data.
Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!
Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com. Please review our Candidate Privacy Notice here.
Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.
COMPENSATION
- Compensation Range: $190,080 - $262,800
INTRODUCTION
We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Our Payments Risk team builds and operates decisioning capabilities across Signal and Guarantee. We help customers tune thresholds and rules so they can approve more good transactions while reducing returns. For Guarantee, this work also protects the economics of the risk Plaid underwrites.
ROLE AND RESPONSIBILITIES
You will be the technical, customer-facing Payment Risk Consulting Lead for Signal and Guarantee. You will interpret model outputs, diagnose customer performance, and turn that analysis into concrete threshold and rules recommendations. You will own proofs of concept and retros, improve existing integrations, and help the team identify patterns that can be scaled through better processes and product capabilities.
- Own customer proofs of concept and retros from analysis through recommendations and follow-through.
- Proactively optimize Signal customers, prioritizing accounts with high return rates.
- Read model outputs and diagnose the drivers of authorization and return-rate performance.
- Recommend threshold and rules changes that align with each customer's risk and authorization goals.
- Help Guarantee customers tune thresholds to achieve target authorization rates while protecting loss performance.
- Partner with AEs and TAMs to bring deep product and modeling expertise into customer engagements.
- Improve decision and return reporting from customers to strengthen their experience and Plaid's models.
- Turn recurring customer insights into onboarding playbooks and product requirements.
BASIC QUALIFICATIONS
- 5–10 years of experience
- Comfortable pulling and cutting your own data (SQL)
- Experience interpreting risk, decisioning, or other quantitative model outputs.
- Experience diagnosing performance problems and making data-backed threshold or rules recommendations.
- Strong customer-facing consulting and communication skills.
- Experience partnering across go-to-market and technical teams.
- Demonstrated ability to build repeatable processes in an ambiguous environment.
PREFERRED QUALIFICATIONS
- [Nice to have] Experience at a fraud or risk-scoring vendor, credit bureau, or bank / processor risk team.
- [Nice to have] Familiarity with cash flow or bank transaction data.
Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!
Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com. Please review our Candidate Privacy Notice here.
Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.
COMPENSATION
- Compensation Range: $190,080 - $262,800
See all 86+ H-1B Visa Risk Management Consultant Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship as a Risk Management Consultant
Verify your degree meets specialty occupation standards
USCIS requires your degree field to directly relate to risk management work. A finance, actuarial science, or business degree with a quantitative focus is the strongest credential. A general management degree may trigger an RFE without supporting coursework documentation.
Target employers with LCA filing history
Use the OFLC Wage Search to filter employers who have filed Labor Condition Applications for risk management or financial analyst roles. Repeat LCA filers signal an established H-1B sponsorship process, reducing the risk of an employer withdrawing support mid-application.
Search H-1B sponsoring employers on Migrate Mate
Migrate Mate filters Risk Management Consultant roles by employers with verified H-1B filing history, so you're not guessing about sponsorship willingness. Apply directly to roles where the employer has already navigated the LCA and petition process for comparable positions.
Confirm your role's SOC code before the LCA
Risk management roles often map to SOC 13-2099 or 13-1199 depending on the employer's framing. Confirm the O*NET classification your employer intends to use, since the prevailing wage level and USCIS specialty occupation analysis both depend on it.
Register in March to protect your lottery slot
USCIS opens H-1B cap registration in early March for a roughly two-week window. Your employer must submit your registration before the window closes. Missing it means waiting a full year, so confirm your employer's immigration counsel has the start date on their calendar.
Request premium processing if your start date is firm
Standard H-1B adjudication can run several months past the October 1 start date. Premium processing upgrades USCIS to a 15-business-day review window. For risk management consultants starting on client-facing project timelines, this eliminates authorization uncertainty.
H-1B Visa Risk Management Consultant: Frequently Asked Questions
Does a Risk Management Consultant role qualify as an H-1B specialty occupation?
Yes. USCIS classifies risk management consulting as a specialty occupation when the position requires at least a bachelor's degree in a directly related field such as finance, risk management, statistics, or actuarial science. Employers strengthen the petition by documenting that the specific duties, not just the job title, require that theoretical and practical application of a body of specialized knowledge.
Which industries sponsor H-1B visas most often for Risk Management Consultants?
Financial services firms, insurance carriers, management consulting firms, and large banks file the majority of H-1B petitions for risk management roles. Regulatory-heavy environments, including those subject to Basel III or Solvency II frameworks, tend to have active sponsorship pipelines because qualified candidates are in short supply domestically. You can find employers with documented filing history on Migrate Mate.
What prevailing wage level applies to Risk Management Consultant H-1B petitions?
DOL assigns prevailing wages by SOC code, employer location, and experience level. Most entry-level risk consulting roles land at Level I or II, while senior or specialized positions map to Level III or IV. Your employer files the LCA at or above the applicable level. Use the OFLC Wage Search to see current wage levels for your specific metro area before evaluating an offer.
Can I switch employers mid-year on an H-1B as a Risk Management Consultant?
Yes. H-1B portability under AC21 lets you change employers once your I-140 has been approved and your petition has been pending for 180 days, or if you're transferring to a new H-1B employer who files a cap-exempt transfer petition on your behalf. Your new employer must file a new I-129 before your current authorized period ends, and you can start working once the transfer petition is received by USCIS.
How do I find Risk Management Consultant jobs where the employer is already open to H-1B sponsorship?
Most job postings don't state sponsorship willingness explicitly, which wastes time on applications that go nowhere. Migrate Mate surfaces Risk Management Consultant roles specifically from employers with verified H-1B LCA filing history, so you can focus your search on companies that have already navigated the process for comparable positions rather than hoping an employer will sponsor after an offer is made.