As a Payments Risk Specialist, you'll monitor transaction activity, analyze fraud patterns, partner with Compliance, and develop risk frameworks to support growth while mitigating losses.
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
Whop New York, New York, USA Office
New York, New York, United States, 11249
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