Payments Risk Manager

Whop; New York (NY); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Unlimited PTO

Health, Vision, and Dental coverage

Brooklyn, NY office

Daily Uber Eats lunch/dinner credits

Hybrid company model

Equinox gym access

Latest MacBook Pro

Job summary

Whop in Brooklyn is seeking a Payments Risk Specialist to monitor, research, and improve transaction and merchant risk frameworks while enabling growth. You will analyze fraud patterns, monitor merchant behavior, and partner with Compliance on KYC/KYB and onboarding risk controls.

You will fine tune rules to balance approval rates with loss mitigation and design dashboards that surface emerging risk trends.

Qualifications

• 2–5 years in payments risk, fraud operations, or transaction monitoring with a strong analytical mindset.
• Ability to interpret behavioral and financial signals and make principled risk decisions.
• Experience designing dashboards and alerts to surface risk trends.

Responsibilities

• Monitor transaction activity and merchant behavior across card and alternative rails.
• Analyze fraud patterns, chargeback trends, and abuse vectors to uncover bad actors.
• Partner with Compliance on KYC, KYB, and onboarding risk controls.
• Fine tune rules and thresholds to balance approval rates with loss mitigation.
• Design dashboards and alerts that surface emerging risk trends.
• Work cross-functionally to prevent systemic exposure while preserving growth velocity.
• Within 30–90 days, master Whop’s payment risk flows and take ownership of daily operations.

Skills

Payments risk

Fraud operations

Transaction monitoring

Data analysis

Dashboards & alerts

Job description

• 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
• 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
• 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

Benefits

• Unlimited PTO, Health, Vision, and Dental coverage
• Brooklyn, New York | Check out our office here and here
• Daily $20 lunch, $25 dinner Uber Eats credits
• Hiring everywhere, hybrid company model
• State of the art gym access @ Equinox
• Latest 14 or 16 inch Macbook Pro

Ability to make principled risk decisions under ambiguity and partial information2–5 years in payments risk, fraud operations, or transaction monitoring with a strong analytical mindset with ability to interpret behavioral and financial signalsYou have a relentless “can-do” attitude. You don’t wait for perfect engineering solutions; you build workarounds, push boundaries, and find a wayYou keep a sharp eye on UX. You understand that managing risk is about maximizing legitimate revenue, not just minimizing lossYou thrive in greenfield environments. You possess the ability to make principled risk decisions under ambiguity and partial informationStrong analytical mindset with ability to interpret behavioral and financial signalsExperience with digital goods, marketplaces, or creator platformsExposure to sponsor bank environments or card network monitoring programs