OPT Risk Management Lead Jobs
Risk Management Lead roles are open to F-1 OPT students with backgrounds in finance, business analytics, or a related quantitative field. Your OPT work authorization covers full-time employment, and many financial institutions and consulting firms actively sponsor H-1B visas for strong risk professionals.
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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.
Key Responsibilities:
- 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:
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.
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.
Key Responsibilities:
- 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:
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.
See all 118+ OPT Risk Management Lead Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Risk Management Lead Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship in Risk Management Lead
Target regulated industries first
Banks, insurance companies, and financial services firms operate under strict compliance mandates that create sustained demand for risk talent. These employers are far more accustomed to sponsoring work visas than startups or smaller firms without dedicated HR infrastructure.
Quantify your risk impact on your resume
Hiring managers in risk want numbers. Highlight the portfolio size you monitored, percentage reductions in loss exposure, or models you built. Concrete outcomes signal readiness for a lead role and make your profile stand out to sponsorship-willing employers.
Earn a relevant certification before applying
Credentials like FRM or PRM signal technical depth and long-term commitment to the field. Employers weighing sponsorship costs look for signals that a candidate is invested in a risk management career, and certifications provide exactly that reassurance.
Address your OPT status early in outreach
Mentioning your authorization upfront in cover letters removes ambiguity for hiring teams. Framing it as current work authorization, with H-1B eligibility for future sponsorship, presents your situation as a near-term solution rather than a long-term complication.
Demonstrate leadership even without the title
Lead roles require evidence of cross-functional coordination and team oversight. Highlight projects where you directed analysts, presented to executives, or drove methodology decisions. Employers sponsoring a lead-level position need confidence you can operate at that level immediately.
Use OPT STEM extension eligibility as a negotiating point
If your degree is in a STEM field, you may qualify for a 24-month OPT extension, giving employers up to three years before needing to file an H-1B. This is a meaningful advantage worth communicating clearly during the offer and negotiation stage.
Risk Management Lead OPT: Frequently Asked Questions
Can F-1 OPT students work as a Risk Management Lead in the United States?
Yes. F-1 OPT authorizes full-time employment in roles directly related to your field of study. Risk Management Lead positions typically require a degree in finance, business, economics, or a quantitative discipline, so students with those backgrounds are generally well-positioned. You can browse open roles on Migrate Mate to find employers actively hiring OPT candidates.
Do Risk Management Lead roles commonly lead to H-1B sponsorship?
Risk management is a specialty occupation under H-1B criteria, and many employers in banking, insurance, and consulting have established sponsorship pipelines for strong risk professionals. Firms that invest in onboarding a lead-level hire have a financial incentive to retain that person, which increases the likelihood of sponsorship. Confirming sponsorship intent before accepting an offer is worth the conversation.
How does STEM OPT extension apply to Risk Management Lead roles?
If your degree is in a STEM-designated field such as financial engineering, statistics, or management information systems, you may be eligible for a 24-month OPT extension after your initial 12-month period. This extends your total work authorization to 36 months, giving your employer a longer runway before an H-1B becomes necessary. Check your degree's CIP code with your DSO to confirm STEM eligibility.
What qualifications do employers expect for a Risk Management Lead on OPT?
Most employers expect a relevant graduate or undergraduate degree, demonstrated experience with risk frameworks such as ERM or Basel standards, and evidence of cross-functional leadership. Certifications like the FRM strengthen a profile significantly. Employers sponsoring a lead-level hire typically want someone who can operate independently from day one, so quantifiable past experience matters more than tenure.
What happens to my OPT authorization if I switch employers in a Risk Management Lead role?
OPT is tied to your field of study, not a specific employer, so switching to a new employer in a role that aligns with your degree is permitted. You must report the change to your DSO within 10 days and update your SEVIS record. Gaps in employment longer than 90 cumulative days during your OPT period can affect your immigration status, so minimizing downtime between positions is important.