Payments Risk Manager

About The Role Whop operates in fast-moving digital verticals. Risk is not a back-office function - it’s embedded in growth. As our first dedicated Payments Risk Specialist, you aren’t joining a legacy machine, you will help shape it. We’re looking for a Payments Risk Specialist who can monitor, research and continuously improve transaction and merchant risk frameworks while enabling expansion. What You’ll Do • Monitor transaction activity and merchant behavior across card and alternative payment rails • Analyze fraud patterns, chargeback trends, and abuse vectors, applying creative investigative skills to uncover the hidden trails of bad actors • Partner with Compliance on KYC, KYB, and onboarding risk controls • Fine tune rules and thresholds to balance approval rates with loss mitigation. You understand that a blanket "no" is the easy way out but you aim for precision • Design dashboards and alerts that surface emerging risk trends, building data narratives from the ground up • Work cross-functionally to prevent systemic exposure while preserving growth velocity What We’re Looking For • 2–5 years in payments risk, fraud operations, or transaction monitoring with a strong analytical mindset with ability to interpret behavioral and financial signals • You thrive in greenfield environments. You possess the ability to make principled risk decisions under ambiguity and partial information • Strong analytical mindset with ability to interpret behavioral and financial signals • You have a relentless "can-do" attitude. You don't wait for perfect engineering solutions; you build workarounds, push boundaries, and find a way • You keep a sharp eye on UX. You understand that managing risk is about maximizing legitimate revenue, not just minimizing loss • Ability to make principled risk decisions under ambiguity and partial information Bonus • Experience with digital goods, marketplaces, or creator platforms • Exposure to sponsor bank environments or card network monitoring programs Your first 90 days will look like the following: • Within 30 days, you will deeply master Whop’s payment risk flows • Within 60 days, You take full ownership of the daily operation. You are applying your creative review skills to hunt down bad actors and making principled risk decisions • Within 90 days, you are detecting fraud patterns and escalating trends to our engineering teams to update fraud solutions within our product The expected salary range for this position is $100,000 to $130,000 annually, with final compensation determined based on experience, skills, and qualifications. • ✅ Competitive equity package • ❤️ Unlimited PTO, with full health, vision, dental coverage • 🍕 Lunch & dinner paid for Monday through Friday • 🏋️‍♀️ Free Equinox membership • 🚴 Free Citibike membership • 🚗 Free Ubers home after 10pm • 🏡 $9k annual rent subsidy if you live within 4 blocks of our office • 💻 Latest MacBook Pro & tech accessories