The posting
About Us
Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance.
Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution.
Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services.
Role Overview
Own the full lifecycle of our fiat risk control products, covering fraud prevention and AML across high-frequency fiat deposit, withdrawal, and payment flows. The focus is on the underlying risk mechanisms: how transactions are screened, scored, held, and released in real time. Combine risk insight with business needs to plan, design, iterate, and optimize an efficient, intelligent risk control system that protects the platform without adding unnecessary user friction.
Key Responsibilities
- 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
- 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
- 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
- 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
- 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
- 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
Requirements
- 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
Nice to Have
- 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.
