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