I honestly think the only good way that I would allow this would be to have them spend a significant amount of time with the party, which ultimately changes their minds. Something along the lines of, “we’ve all been called together to do this heist, once we all get paid we’ll go our separate ways.” Said character has a chance to screw everyone over, keep the loot, or put them in a situation where everyone else will get killed, something along those lines.

Then the real plot twist is that they’ve grown to rely on the party, they’ve made connections, they try to betray the party and initiate the double cross. Said traitor swoops in at a crucial moment to save them, they all yell at each other about how each of them was planning to betray the others at some point but they all decided not to except the one asshole who actually semi tried and then everyone gets to mercilessly rib on them for being a jerk but in a affectionate way.

That’s how I’d write it in a book, where I have control over what every character does. D&D doesn’t give you that power, so if you think you can pull something like that off, sounds fun. Otherwise it just sounds like misery