Payments Risk Manager

About The Role

Whop operates in fast-moving digital verticals. Risk is not a back-office function - its embedded in growth. As our first dedicated Payments Risk Specialist you arent joining a legacy machine you will help shape looking for a Payments Risk Specialist who can monitor research and continuously improve transaction and merchant risk frameworks while enabling expansion.

What Youll 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 Were Looking For

• 25 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 dont 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 Whops 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 $100000 to $130000 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