About the job
About The Role
At Whop, we thrive in the dynamic landscape of digital markets. As a pioneer in our Payments Risk division, you will not just be part of a system; you will be instrumental in building it from the ground up. We are seeking a Payments Risk Specialist who will vigilantly monitor, analyze, and enhance transaction and merchant risk frameworks to facilitate our growth.
What You’ll Do
- Oversee transaction activities and merchant conduct across various payment channels, including card and alternative methods.
- Investigate fraud patterns, chargeback trends, and misuse tactics, utilizing innovative investigative techniques to reveal the hidden activities of fraudsters.
- Collaborate with Compliance teams on Know Your Customer (KYC), Know Your Business (KYB), and onboarding risk management protocols.
- Refine rules and thresholds to optimize approval rates while mitigating losses, understanding that a simple 'no' is not the goal; precision is key.
- Create dashboards and alerts to highlight emerging risk trends, developing data narratives from scratch.
- Engage cross-departmentally to avert systemic risks while maintaining growth momentum.
What We’re Looking For
- 2–5 years of experience in payments risk, fraud operations, or transaction monitoring, with a keen analytical mindset and the ability to interpret behavioral and financial signals.
- You excel in uncharted environments, capable of making principled risk decisions even amidst uncertainty and incomplete information.
- A strong analytical mindset with proficiency in interpreting behavioral and financial indicators.
- You possess a proactive 'can-do' spirit. Instead of waiting for perfect solutions, you devise workarounds, challenge limits, and find effective ways forward.
- Attention to user experience is paramount; you recognize that effective risk management is not just about minimizing losses but maximizing legitimate revenue.
Bonus Qualifications
- Experience with digital goods, marketplaces, or content creator platforms.
- Familiarity with sponsor bank environments or card network monitoring programs.
Your first 90 days will look like this:
- In your first month, you will thoroughly understand Whop’s payment risk processes.
- By the second month, you will take charge of daily operations, employing your analytical skills to identify fraud and make informed risk decisions.
- By the end of your third month, you will...

