Responsibilities
The Global Payment Risk team delivers end-to-end payment risk control across mutiple business lines, including TikTok Shop, TikTok LIVE, monetization and ads, and games. Our risk expertise spans numerous countries and a wide range of payment methods, forming the security foundation behind cross-border pay-in, pay-out, and withdrawal. We manage fraud, financial crime, and compliance risk in real time, meeting card-scheme and issuer requirements while keeping friction low for legitimate transactions. Risk control directly shapes payment success rates and how fast the business can move. You will own the full risk-control loop, from strategy and algorithms to product and operations, putting your decisions straight into real transactions for hundreds of millions of users worldwide. The Global Payment team of ByteDance provides payment solutions - including payment acquisitions, disbursements, transaction monitoring, payment method management, foreign exchange conversion, accounting, reconciliations, and so on to ensure that our users have a smooth and secure payment experience on ByteDance platforms including TikTok. This role is part of the Payments Risk team, focusing on payment risk and fraud prevention strategies for TikTok Shop across Europe, including the EU and UK markets. We are looking for candidates with a strong foundation in risk management, combined with technical and analytical capabilities. Candidates from Fraud Risk, Payment Risk, Credit Risk or other relevant risk backgrounds are welcome, particularly those with hands-on experience in data analytics, modelling and programming. Responsibilities - Contribute to the design and implementation of fraud prevention programs and initiatives in alignment with the defined risk roadmap and risk appetite, with a particular focus on stolen card fraud and account takeover (ATO). - Lead fraud investigations to identify suspicious patterns and emerging trends, and resolve escalated issues raised by cross-functional teams while balancing risk mitigation with customer impact. - Analyse cardholder disputed transactions in accordance with card scheme rules and regulations, providing subject matter expertise on payment risk management. - Establish ongoing tracking and monitoring of the performance of risk decision systems and models. Partner with the Risk Analytics team to develop clear and insightful visualisations, dashboards and reports to support performance evaluation and optimisation. - Stay up to date with changes in card scheme rules, regulations and industry developments, and identify opportunities to enhance existing risk strategies and controls accordingly. - Support the Risk team on various strategic initiatives, process improvements and ad hoc projects as required. - Work independently and collaboratively with team members and cross-functional stakeholders to achieve the overall objectives of the Risk team.
Qualifications
Minimum Qualification(s): - Bachelor's degree or above in Computer Science, Information Technology, Data Science, Statistics, Mathematics or other relevant disciplines. - Strong programming and data querying skills, particularly in SQL and Python, with the ability to extract, manipulate and analyse large datasets. - At least 3 years of relevant experience in fraud management, fraud strategy or other risk management domains. - Strong analytical and logical thinking skills, with the ability to identify patterns, solve complex problems and translate data insights into actionable risk strategies. - Results-oriented, with strong ownership and prioritisation skills and the ability to thrive in a fast-paced and evolving environment. - Effective communication and stakeholder management skills, with the ability to collaborate closely with cross-functional teams and engage stakeholders at different levels. - Proactive and innovative mindset, with the ability to identify new approaches to risk management and continuously improve existing strategies and processes. Preferred Qualification(s): - Strong knowledge of the payments industry and hands-on experience in fraud rule development are highly desirable. - Prior experience in e-Commerce payment risk management or control is preferred. - Experience in fraud risk-related algorithms, statistical modelling or predictive analytics. - Experience in developing and implementing end-to-end risk strategy frameworks, from risk identification and strategy design to implementation, performance monitoring and continuous optimisation. - Experience in payment fraud, transaction fraud, card fraud or credit risk management.
