Payments Risk Specialist

Whop • New York, NY

22h • $70,000 - $100,000

About The Position

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.

Requirements

• 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

Nice To Haves

• Experience with digital goods, marketplaces, or creator platforms
• Exposure to sponsor bank environments or card network monitoring programs

Responsibilities

• 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 This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed