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Payments Risk Manager

Whop

New York, NYFull-time$100–130K/yrPosted 5mo agoChecked 1w ago
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At a glance

Compensation
$100–130K/yr
Location
New York, NY
Schedule
Full-time
Work Authorization
Not specified

Job overview

Whop is hiring a Payments Risk Manager. Whop operates in fast‑moving digital verticals and embeds risk in growth, seeking its first dedicated Payments Risk Specialist to monitor, research and continuously improve transaction and merchant risk frameworks while enabling expansion.

Key focus areas include Monitor transaction activity and merchant behavior across card and alternative payment rails, Analyze fraud patterns, chargeback trends, and abuse vectors applying creative investigative skills, and Partner with compliance on KYC, KYB, and onboarding risk controls.

Successful candidates bring 2-5 Years Payments Risk Experience, 2-5 Years Fraud Operations Experience, and 2-5 Years Transaction Monitoring Experience. Important skills include Monitor Transaction Activity, Monitor Merchant Behavior, Analyze Fraud Patterns, Analyze Chargeback Trends, Analyze Abuse Vectors, and Creative Investigative Skills. Preferred (not required): Digital Goods, Marketplaces, Creator Platforms, and Sponsor Bank Environments.

Skills & qualifications

RequiredNice to have

Skills

Monitor Transaction ActivityMonitor Merchant BehaviorAnalyze Fraud PatternsAnalyze Chargeback TrendsAnalyze Abuse VectorsCreative Investigative SkillsPartner With ComplianceFine Tune Rules and ThresholdsBalance Approval Rates With Loss MitigationDesign DashboardsDesign AlertsBuilding Data NarrativesWork Cross-FunctionallyAnalytical MindsetInterpret Behavioral SignalsInterpret Financial SignalsMake Principled Risk Decisions Under AmbiguityCan-Do AttitudeKeep a Sharp Eye on UXDigital GoodsMarketplacesCreator PlatformsSponsor Bank EnvironmentsCard Network Monitoring Programs

Qualifications

2-5 Years Payments Risk Experience2-5 Years Fraud Operations Experience2-5 Years Transaction Monitoring ExperienceKYCKYBOnboarding Risk Controls

Benefits

Medical Insurance
Vision Insurance
Dental Insurance
Paid Time Off

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

  • 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

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