Risk Operations Specialist Jobs in USA with Visa Sponsorship
Risk Operations Specialist roles sit squarely in H-1B visa specialty occupation territory, requiring a directly related bachelor's degree in finance, mathematics, or a related field. Employers in financial services, fintech, and insurance file LCAs regularly for this title, making verified sponsorship history a practical filter when targeting your job search. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsAbout us:
At Parafin, we’re on a mission to grow small businesses.
Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on.
We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners.
We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities.
Join us in creating a future where every small business has the financial tools they need.
About the Position
We are looking for a Product Operations Specialist to help us scale operations and grow our capital products.
This role will be a critical operator of the company's product suite by providing a positive experience for the small businesses we support. You will be responsible for running and building best-in-class processes for payments and fraud. You will become an expert on Parafin’s Capital products, digging deep into the details to solve problems, and being an on-the-ground operator to support day-to-day functions, from troubleshooting payment issues to data analysis to building documentation.
Are you an adaptable all-rounder who is passionate in building at scale, while enjoying rolling up your sleeves to get the job done? Are you excited to work collaboratively at a fast-growing startup to help grow small businesses? If so, come join us!
What You’ll Be Doing:
- Assist in developing operational solutions to help evaluate complex business risk issues in a fast-paced environment
- Find solutions to automate and streamline ops processes, leading efforts to build in-house or finding external vendors
- Conduct reviews to assess risk factors for high-priority merchants
- Troubleshoot and resolve payment issues with our merchants, while providing high-quality service via email and phone
- Manage cross-functional work streams with our customer support, data science, compliance, and engineering teams to improve the merchant experience and grow capital originations
- Review current processes and provide feedback on how to improve product operations and Parafin as a whole
- Work closely with our partners to identify areas of risk and investigate fraudulent behavior
- Use data-driven analysis to identify areas of optimization and growth
What We’re Searching For:
- 3 - 5 years of work experience
- 2 - 3 years of operational experience working in a fintech startup, bank, or payments company
- Strong understanding of payments
- Excellent communication skills
- Strong quantitative / detail-oriented background
- Thrive in an entrepreneurial environment
We Prefer If You Have:
- Experience with fraud/ risk management
- Strong understanding of, or desire to learn, about a capital or lending product
- Fluency in, or desire to learn, data analysis skills and tools, such as SQL / R / Python
What We Offer
- Salary Range: $118k - $123k
- Equity grant
- Medical, dental & vision insurance
- Unlimited PTO
- Work-from-home flexibility
- Commuter benefits
- Free lunches
- Paid parental leave
- 401(k)
- Employee assistance program
If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.
About us:
At Parafin, we’re on a mission to grow small businesses.
Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on.
We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners.
We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities.
Join us in creating a future where every small business has the financial tools they need.
About the Position
We are looking for a Product Operations Specialist to help us scale operations and grow our capital products.
This role will be a critical operator of the company's product suite by providing a positive experience for the small businesses we support. You will be responsible for running and building best-in-class processes for payments and fraud. You will become an expert on Parafin’s Capital products, digging deep into the details to solve problems, and being an on-the-ground operator to support day-to-day functions, from troubleshooting payment issues to data analysis to building documentation.
Are you an adaptable all-rounder who is passionate in building at scale, while enjoying rolling up your sleeves to get the job done? Are you excited to work collaboratively at a fast-growing startup to help grow small businesses? If so, come join us!
What You’ll Be Doing:
- Assist in developing operational solutions to help evaluate complex business risk issues in a fast-paced environment
- Find solutions to automate and streamline ops processes, leading efforts to build in-house or finding external vendors
- Conduct reviews to assess risk factors for high-priority merchants
- Troubleshoot and resolve payment issues with our merchants, while providing high-quality service via email and phone
- Manage cross-functional work streams with our customer support, data science, compliance, and engineering teams to improve the merchant experience and grow capital originations
- Review current processes and provide feedback on how to improve product operations and Parafin as a whole
- Work closely with our partners to identify areas of risk and investigate fraudulent behavior
- Use data-driven analysis to identify areas of optimization and growth
What We’re Searching For:
- 3 - 5 years of work experience
- 2 - 3 years of operational experience working in a fintech startup, bank, or payments company
- Strong understanding of payments
- Excellent communication skills
- Strong quantitative / detail-oriented background
- Thrive in an entrepreneurial environment
We Prefer If You Have:
- Experience with fraud/ risk management
- Strong understanding of, or desire to learn, about a capital or lending product
- Fluency in, or desire to learn, data analysis skills and tools, such as SQL / R / Python
What We Offer
- Salary Range: $118k - $123k
- Equity grant
- Medical, dental & vision insurance
- Unlimited PTO
- Work-from-home flexibility
- Commuter benefits
- Free lunches
- Paid parental leave
- 401(k)
- Employee assistance program
If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.
See all 5,831+ Risk Operations Specialist Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Risk Operations Specialist roles.
Get Access To All JobsTips for Finding Visa Sponsorship as a Risk Operations Specialist
Frame your degree for specialty occupation
USCIS requires your degree to directly relate to risk operations work. A finance, statistics, economics, or math degree strengthens your petition. A general business degree without quantitative coursework can trigger an RFE, so document how your coursework maps to the role.
Search LCA data before applying
Use Migrate Mate to browse employers with verified LCA filing history for risk and compliance roles. Targeting companies that have already filed for similar positions saves time and signals you're applying where sponsorship infrastructure exists.
Target financial services and fintech employers specifically
Banks, insurance firms, payment processors, and fintech companies file the most LCAs for risk operations titles. These industries have established immigration programs and in-house or retained counsel, which makes the H-1B petition process faster and more predictable for you.
Verify prevailing wage tier before the offer stage
Use the OFLC Wage Search to look up the prevailing wage for your job title and location before negotiations start. Your employer's LCA must certify wages at or above that level, so knowing the wage tier helps you understand whether an offer is structurally viable for sponsorship.
Clarify STEM OPT eligibility with your DSO early
If your degree is in a qualifying STEM field like statistics, applied math, or financial engineering, you may be eligible for a 24-month STEM OPT extension. Confirm your program's CIP code with your DSO before accepting a role, since your employer must be enrolled in E-Verify for STEM OPT to work.
Get the job description language right before filing
H-1B petitions for risk operations roles require the job description to explicitly state that a bachelor's degree in a specific field is required, not preferred. Work with your employer to tighten that language before the I-129 is filed to reduce RFE risk on the specialty occupation question.
Frequently Asked Questions
Does a Risk Operations Specialist role qualify as a specialty occupation for H-1B purposes?
Yes, in most cases. USCIS evaluates whether the role normally requires at least a bachelor's degree in a directly related field. Risk operations work involving quantitative analysis, model validation, credit risk, or regulatory compliance typically meets that standard. The job description must state the degree requirement explicitly, not list it as preferred, to avoid an RFE on the specialty occupation question.
Which visa types are realistic for Risk Operations Specialist roles?
H-1B is the primary path for most candidates, requiring employer sponsorship, an LCA, and selection in the annual cap process. F-1 students with STEM-eligible degrees in fields like statistics or financial engineering can use OPT or STEM OPT as a bridge. Canadian and Mexican nationals in qualifying analytical roles may also explore TN visa status, though risk operations is not a named USMCA profession and eligibility depends on the specific role and degree.
What degree does a Risk Operations Specialist need to get visa sponsorship?
Finance, statistics, mathematics, economics, or a closely related quantitative field gives you the strongest specialty occupation argument. A general business administration degree without significant quantitative coursework can complicate the petition. If your degree field doesn't map cleanly to the role, official transcripts showing relevant coursework and professional certifications in risk management can help support the petition.
How do I find employers who actively sponsor visas for risk operations roles?
Migrate Mate lists employers with verified sponsorship history for risk and compliance roles, so you can focus your applications on companies that have already demonstrated willingness to file. Financial services firms, fintech companies, and large insurance carriers tend to have the most established sponsorship programs for this job title.
Can I switch employers while on an H-1B in a risk operations role?
Yes. Under H-1B portability, you can start working for a new employer once they file a new I-129 petition on your behalf, as long as you're already in valid H-1B status. The new employer files a fresh LCA with DOL and an I-129 with USCIS. You don't need to wait for approval before starting, but the petition must be filed before you begin work for the new company.
What is the prevailing wage requirement for sponsored Risk Operations Specialist jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.