Payments Risk Manager

Join Whop, a fast-growing startup in the payments industry, as our first dedicated Payments Risk Specialist. In this role, you will monitor transaction activity and merchant behavior, analyze fraud patterns, and partner with Compliance on risk controls. You will have the opportunity to shape our payment risk framework and make a significant impact on our growth. Benefits include unlimited PTO, health coverage, and access to a state-of-the-art gym.

• Monitor transaction activity and merchant behavior across card and alternative payment rails, analyzing fraud patterns and chargeback trends.
• Partner with Compliance on KYC, KYB, and onboarding risk controls, fine-tuning rules and thresholds to balance approval rates with loss mitigation.
• Design dashboards and alerts that surface emerging risk trends, building data narratives from the ground up, and working cross-functionally to prevent systemic exposure.

• Ability to make principled risk decisions under ambiguity and partial information
• 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 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
• 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
• Experience with digital goods, marketplaces, or creator platforms
• Exposure to sponsor bank environments or card network monitoring programs