H-1B Visa Senior Risk Consultant Jobs
Senior Risk Consultant roles qualify for H-1B visa sponsorship as specialty occupations requiring at least a bachelor's degree in finance, economics, or a related field. Employers in financial services, consulting, and insurance regularly file LCAs for this title. The 85,000-cap lottery applies, with cap-exempt employers offering a path around it.
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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 186+ H-1B Visa Senior Risk Consultant Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new H-1B Visa Senior Risk Consultant Jobs.
Get Access To All JobsTips for Finding H-1B Visa Sponsorship as a Senior Risk Consultant
Verify your degree field matches
USCIS requires your degree to relate directly to risk consulting. A finance, economics, mathematics, or statistics degree strengthens your petition. A general business degree may trigger an RFE if the employer can't show a direct nexus to the role.
Search LCA filings by SOC code
Senior Risk Consultant roles typically file under SOC 13-2099 or 13-2051. Run the OFLC Wage Search filtered to those codes to identify which employers have active certifications in your target metro, then prioritize outreach to those firms.
Target cap-exempt employers first
Universities, nonprofit research organizations, and government-related entities are exempt from the 85,000-cap lottery. Risk and compliance roles exist at these institutions, and a cap-exempt offer means you can start work without waiting for an October 1 start date.
Confirm prevailing wage tier before negotiating
Use Migrate Mate to check the prevailing wage level your prospective employer filed for your role and metro. A Level I wage signals an entry framing that can complicate extension petitions; negotiating to Level II or III strengthens long-term sponsorship stability.
Request premium processing at offer stage
Ask your employer to include premium processing in the offer terms. USCIS guarantees a decision within 15 business days under premium processing, which reduces the risk of starting a new role without an approved petition in hand.
Document credentials to USCIS specialty occupation standard
Gather official transcripts, a credential evaluation for foreign degrees, and a detailed job duties letter from your employer. The letter should tie each core duty to a specific body of theoretical knowledge requiring at least a bachelor's-level education.
H-1B Visa Senior Risk Consultant: Frequently Asked Questions
Do Senior Risk Consultant jobs qualify for H-1B sponsorship?
Yes. Senior Risk Consultant is a specialty occupation under USCIS standards because the role normally requires at least a bachelor's degree in a specific field such as finance, economics, actuarial science, or mathematics. Employers must document that relationship in the Labor Condition Application and I-129 petition. Roles that accept any degree field without a direct nexus to risk work are more likely to face an RFE.
Which industries sponsor H-1B visas for Senior Risk Consultants?
Financial services firms, management consulting companies, insurance carriers, and large banks sponsor this title most frequently. Regulatory compliance functions inside fintech companies and asset managers also file LCAs regularly for risk roles. You can browse employers with active H-1B filing history for Senior Risk Consultant positions on Migrate Mate, filtered by industry and location.
How does the H-1B lottery affect my timeline as a Senior Risk Consultant?
If your employer is a standard cap-subject company, your petition enters the annual lottery with a registration window in March and an October 1 start date if selected. You can work in the U.S. during your current status while waiting, but the lottery is a genuine bottleneck. Cap-exempt employers, including universities and nonprofit research centers with risk or compliance functions, bypass this process entirely.
What prevailing wage level applies to Senior Risk Consultant H-1B filings?
Most Senior Risk Consultant petitions are filed at DOL Level II or Level III, reflecting the mid-to-senior experience and degree requirements for the role. A Level I filing can raise scrutiny from USCIS because it suggests an entry-level position, which is harder to reconcile with the word 'Senior' in the title. Run the OFLC Wage Search for your specific metro and SOC code to confirm the wage floor before you accept an offer.
Can I switch employers on an H-1B while working as a Senior Risk Consultant?
Yes. H-1B portability under AC21 lets you change employers once your petition has been pending for 180 days or more and the new role is in the same or a similar occupational classification. For Senior Risk Consultants, a move between risk, compliance, or financial analysis roles at different firms generally qualifies. Your new employer must file an H-1B transfer petition before your last day at the current job.