Payments Risk Manager

<p><strong>About The Role</strong></p> <p>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.&nbsp;We’re looking for a Payments Risk Specialist who can monitor, research and continuously improve transaction and merchant risk frameworks while enabling expansion.</p> <p><strong>What You’ll Do</strong></p> <ul> <li>Monitor transaction activity and merchant behavior across card and alternative payment rails</li> <li>Analyze fraud patterns, chargeback trends, and abuse vectors, applying creative investigative skills to uncover the hidden trails of bad actors</li> <li>Partner with Compliance on KYC, KYB, and onboarding risk controls</li> <li>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</li> <li>Design dashboards and alerts that surface emerging risk trends, building data narratives from the ground up</li> <li>Work cross-functionally to prevent systemic exposure while preserving growth velocity</li> </ul> <p><strong>What We’re Looking For</strong></p> <ul> <li>2–5 years in payments risk, fraud operations, or transaction monitoring with a strong analytical mindset with ability to interpret behavioral and financial signals</li> <li>You thrive in greenfield environments. You possess the ability to make principled risk decisions under ambiguity and partial information</li> <li>Strong analytical mindset with ability to interpret behavioral and financial signals</li> <li>You have a relentless "can-do" attitude. You don't wait for perfect engineering solutions; you build workarounds, push boundaries, and find a way</li> <li>You keep a sharp eye on UX. You understand that managing risk is about maximizing legitimate revenue, not just minimizing loss</li> <li>Ability to make principled risk decisions under ambiguity and partial information</li> </ul> <p><strong>Bonus</strong></p> <ul> <li>Experience with digital goods, marketplaces, or creator platforms</li> <li>Exposure to sponsor bank environments or card network monitoring programs</li> </ul> <p><strong>Your first 90 days will look like the following:</strong></p> <ul> <li>Within 30 days, you will deeply master Whop’s payment risk flows</li> <li>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</li> <li>Within 90 days, you are detecting fraud patterns and escalating trends to our engineering teams to update fraud solutions within our product</li> </ul> <p>The expected salary range for this position is $100,000 to $130,000 annually, with final compensation determined based on experience, skills, and qualifications.</p> <ul> <li>✅ Competitive equity package</li> <li>❤️ Unlimited PTO, with full health, vision, dental coverage</li> <li>🍕 Lunch &amp; dinner paid for Monday through Friday</li> <li>🏋️‍♀️ Free Equinox membership</li> <li>🚴 Free Citibike membership</li> <li>🚗 Free Ubers home after 10pm</li> <li>🏡 $9k annual rent subsidy if you live within 4 blocks of our office</li> <li>💻 Latest MacBook Pro &amp; tech accessories</li> </ul>