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. ## Responsibilities - 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 ## Requirements - 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 ## Nice to have - Experience with digital goods, marketplaces, or creator platforms - Exposure to sponsor bank environments or card network monitoring programs ## Your first 90 days - 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 ## What we offer - 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