Payments Risk Manager

Payments Risk ManagerBrooklyn, NYAbout The RoleWhop 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 DoMonitor transaction activity and merchant behavior across card and alternative payment railsAnalyze fraud patterns, chargeback trends, and abuse vectors, applying creative investigative skills to uncover the hidden trails of bad actorsPartner with Compliance on KYC, KYB, and onboarding risk controlsFine 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 precisionDesign dashboards and alerts that surface emerging risk trends, building data narratives from the ground upWork cross-functionally to prevent systemic exposure while preserving growth velocityWhat We're Looking For2–5 years in payments risk, fraud operations, or transaction monitoring with a strong analytical mindset with ability to interpret behavioral and financial signalsYou 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 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 lossAbility to make principled risk decisions under ambiguity and partial informationBonusExperience with digital goods, marketplaces, or creator platformsExposure to sponsor bank environments or card network monitoring programsYour First 90 Days Will Look Like The Following:Within 30 days, you will deeply master Whop's payment risk flowsWithin 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 decisionsWithin 90 days, you are detecting fraud patterns and escalating trends to our engineering teams to update fraud solutions within our productThe 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 packageUnlimited PTO, with full health, vision, dental coverageLunch & dinner paid for Monday through FridayFree Equinox membershipFree Citibike membershipFree Ubers home after 10pm$9k annual rent subsidy if you live within 4 blocks of our officeLatest MacBook Pro & tech accessories