Risk Control Principal Product Specialist

About Us

1. Risk Mechanism & Product Design

• Own the roadmap for fiat and payment risk control systems, including transaction monitoring and fraud detection
• Design and iterate on core mechanisms such as rule engines, decision flows, risk tiering, holds and releases, and automated interdiction
• Define the logic behind risk parameters (limits, velocity thresholds, triggers, escalation paths) and balance risk coverage against user friction

1. High-Frequency Transaction Risk

• Design controls that operate under high concurrency and strict latency requirements across fiat on/off-ramp, card acquiring, card issuing, and payment transaction risk control
• Work with Engineering on real-time data pipelines, rule execution performance, fallback and degradation strategies, and stability under peak load
• Detect and close gaps around abnormal patterns such as velocity abuse, account takeover, card fraud, chargebacks, mule accounts, and structuring

1. AI-Powered Risk Control Capabilities

• Use AI to improve user conversion rates and reduce blockers in risk control flows
• Optimize risk-related communications delivered to customers during transactions
• Use AI to proactively guide users through document submission and identity verification, helping them resolve account restrictions or blocks imposed by risk controls

1. Requirement Analysis & Product Planning

• Explore risk control requirements across business scenarios; combine industry trends and company strategy to set long-term plans and short-term iteration goals
• Produce high-quality PRDs that define functionality, performance, security, and other standards

1. Delivery & Cross-functional Collaboration

• Lead prototype design and implementation; coordinate Technology, Data, Compliance, and Operations to deliver on time and at quality
• Communicate the value and usage guidelines of risk products, answer questions, and ensure risk strategies are implemented effectively across business lines
• Translate AML requirements into product capabilities, including transaction monitoring scenarios, sanctions and watchlist screening, and suspicious activity workflows
• Support audit and regulatory inquiries with clear documentation of risk logic

1. Data Analysis & Optimization

• Continuously monitor product data and evaluate the effectiveness of risk strategies and product features
• Define metrics (false positive rate, interception rate, fraud loss rate, case handling time, decision latency) and drive data-based iteration
• Run back-testing and A/B validation before rule or model rollout
• Build feedback loops between case management, operations, and strategy tuning; support incident handling, root cause analysis, and post-incident reviews

• Bachelor's degree or above in Computer Science, Mathematics, Statistics, Finance, Engineering, or a related field
• 3+ years of experience in risk control product design, with familiarity with the risk control processes of at least one field such as payments, credit, or e-commerce; experience in high-volume transaction environments strongly preferred
• Has led complete risk control product design and launch projects
• Hands-on experience in risk strategy formulation, model building, and rule engine design
• Solid understanding of fraud and AML mechanisms: rule engines, risk scoring, transaction monitoring, sanctions screening, and real-time decisioning
• Familiarity with fiat payment flows, including card schemes (Visa/Mastercard), bank transfers, chargebacks, and payment fraud typologies
• Familiar with risk control technologies and tools (risk models, anti-fraud systems, decision engines) and the application of machine learning in risk control
• Strong data analysis skills: SQL and Python for data extraction, analysis, and visualization
• Able to discuss system design (latency, throughput, data consistency) credibly with engineers
• Familiar with financial regulations and regulatory policies, with a strong sense of compliance
• Strong logical thinking, problem-solving, communication, and coordination skills; able to drive alignment with Compliance and Operations
• Rigorous and responsible, with strong stress resistance in high-pressure environments
• Fluent English; Mandarin is a plus

• Experience at a crypto exchange, bank, payment company, or fintech
• AI knowledge is a plus for this role
• Knowledge of AML regulatory frameworks (FATF, MiCA, PSD2) is a plus

Why Join Us
At Bybit, we are committed to fostering a supportive and enriching work environment.
Our benefits include:
- Study Growth Fund: We support your professional development and continuous learning.
- Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.
- Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.
- Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.
- Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.