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At a glance
Job overview
Whop operates in fast‑moving digital verticals. Risk is not a back‑office function—it’s embedded in growth. As the first dedicated Payments Risk Specialist, the role will monitor, research and continuously improve transaction and merchant risk frameworks while enabling expansion.
Skills & qualifications
Skills
Qualifications
Benefits
Full job description
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
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Monitor transaction activity and merchant behavior across card and alternative payment rails
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Analyze fraud patterns, chargeback trends, and abuse vectors, applying creative investigative skills to uncover the hidden trails of bad actors
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Partner with Compliance on KYC, KYB, and onboarding risk controls
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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
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Design dashboards and alerts that surface emerging risk trends, building data narratives from the ground up
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Work cross-functionally to prevent systemic exposure while preserving growth velocity
What We’re Looking For
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2–5 years in payments risk, fraud operations, or transaction monitoring with a strong analytical mindset with ability to interpret behavioral and financial signals
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You thrive in greenfield environments. You possess the ability to make principled risk decisions under ambiguity and partial information
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Strong analytical mindset with ability to interpret behavioral and financial signals
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You have a relentless "can-do" attitude. You don't wait for perfect engineering solutions; you build workarounds, push boundaries, and find a way
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You keep a sharp eye on UX. You understand that managing risk is about maximizing legitimate revenue, not just minimizing loss
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Ability to make principled risk decisions under ambiguity and partial information
Bonus
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Experience with digital goods, marketplaces, or creator platforms
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Exposure to sponsor bank environments or card network monitoring programs
Your first 90 days will look like the following:
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Within 30 days, you will deeply master Whop’s payment risk flows
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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
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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.
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✅ Competitive equity package
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❤️ Unlimited PTO, with full health, vision, dental coverage
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🍕 Lunch & dinner paid for Monday through Friday
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🏋️♀️ Free Equinox membership
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🚴 Free Citibike membership
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🚗 Free Ubers home after 10pm
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🏡 $9k annual rent subsidy if you live within 4 blocks of our office
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💻 Latest MacBook Pro & tech accessories
You've read the whole posting — now see how you match it.