OPT Risk Management Specialist Jobs
Risk Management Specialist roles are a strong fit for OPT students with backgrounds in finance, statistics, or business analytics. Many employers in banking, insurance, and consulting actively sponsor H-1B visas for this specialty occupation, giving you a clear path beyond your OPT period.
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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 Specialist Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Risk Management Specialist Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as a Risk Management Specialist
Target industries with established sponsorship track records
Banking, insurance carriers, and management consulting firms file the most H-1B petitions for risk roles. Focusing your search on these sectors gives you the best odds of finding employers already comfortable with sponsorship paperwork and timelines.
Frame your quantitative skills front and center
Employers hiring for risk need analysts who can model exposure, run stress tests, and interpret regulatory data. Highlighting specific tools like Python, R, or SAS signals you can contribute immediately, which makes sponsorship feel like a worthwhile investment to hiring managers.
Understand your OPT timeline before every interview
Know your exact OPT end date and whether you qualify for the 24-month STEM extension. Being able to clearly explain your authorization window, without hesitation, reassures employers and prevents deals from falling apart over misunderstood timelines late in the process.
Use your OPT start date to anchor the H-1B conversation
If you start a job before April 1, your employer can file an H-1B cap-subject petition that same season. Timing your job start strategically around the October 1 H-1B start date reduces the gap between OPT expiration and H-1B activation significantly.
Pursue relevant certifications to strengthen your candidacy
Credentials like the FRM or PRM demonstrate commitment to the field and reduce employer hesitation around sponsoring an OPT worker. Certifications also help establish that your role meets the specialty occupation standard USCIS applies to H-1B petitions for risk positions.
Negotiate sponsorship terms before accepting an offer
Confirm whether the employer covers H-1B filing fees, uses in-house immigration counsel, or has a dedicated HR process. Getting these details in writing before signing protects you from surprises and ensures you are joining a team that treats sponsorship as a standard benefit.
Risk Management Specialist OPT: Frequently Asked Questions
Does a Risk Management Specialist role qualify as a specialty occupation for H-1B purposes?
Risk Management Specialist positions generally qualify as specialty occupations because they require at least a bachelor's degree in a specific field such as finance, statistics, economics, or a related discipline. USCIS looks at whether the degree requirement is standard for the role in the industry. Strong job descriptions that specify quantitative or analytical degree requirements hold up better during adjudication than vague postings.
Can I work as a Risk Management Specialist on OPT before securing H-1B sponsorship?
Yes. Your F-1 OPT work authorization lets you work full-time as a Risk Management Specialist for any employer in your field of study without needing an H-1B first. If your degree is in a STEM-eligible field like financial engineering, statistics, or applied math, you may qualify for a 24-month STEM OPT extension, giving you up to three years of total OPT work authorization.
How do I find Risk Management Specialist jobs where employers are open to OPT students?
Migrate Mate filters job listings specifically for employers willing to sponsor or hire F-1 OPT workers, so you are not sorting through postings that will screen you out immediately. Risk roles in banking, insurance, and fintech appear regularly on the platform. Searching by role and filtering for OPT-friendly employers is the most efficient way to focus your applications on opportunities that are actually accessible to you.
What degree fields are most relevant for OPT eligibility in risk management roles?
Employers and USCIS both look for degrees in finance, statistics, mathematics, economics, business analytics, financial engineering, or actuarial science for risk positions. Your OPT authorization must be in a field directly related to your degree, so a statistics or finance graduate working in credit risk or market risk analysis is a clean match. Engineering and computer science graduates moving into quantitative risk roles also tend to qualify.
Do large banks and financial institutions commonly sponsor OPT workers for risk roles?
Major financial institutions including investment banks, commercial banks, and insurance companies are among the most active H-1B sponsors for risk-related positions. Many have dedicated immigration teams and established processes for moving OPT employees through the H-1B cap. Smaller regional banks and boutique risk consulting firms can also sponsor, but their processes are less standardized, so it is worth asking HR directly about their sponsorship track record during the interview process.