Payments & Risk Manager

The Open Platform (TOP) is the leading tech company developing Web3 innovations in Telegram. TOP is fueling the Telegram economy through both foundational infrastructure and consumer-facing apps. By integrating blockchain technology into day-to-day digital activities, TOP is building a seamless, scalable platform designed for a billion users — accelerating the mass adoption of crypto.

TOP provides a powerful toolkit of funding, expertise, and technology resources, streamlining access to critical tools like wallets, developer resources, SDKs, APIs, and marketplaces. TOP also develops and supports leading ecosystem products including Walt (ex. Wallet in Telegram), Keeper, STON.fi, Getgems, Tribute, and more.

We’re looking for a Payments & Risk Manager with strong expertise in international card payments and a hands-on approach to solving problems. You’ll manage payment provider relationships, own the chargeback process, and improve payment performance across the platform. Working closely with Engineering, Support, and Moderation, you’ll build practical fraud controls and help shape our payment infrastructure as we grow.

Responsibilities:

• Own the company's fraud and chargeback risk end to end. Set the risk strategy, the target loss levels and the controls framework for both buyers and creators.

• Keep chargeback ratios within card-scheme thresholds across all providers, and make the call on reserves and payout holds.

• Own the payment provider portfolio: decide which providers to add or drop, negotiate commercial terms and lead launches.

• Design the payment routing and cascading strategy to grow conversion and cut processing costs.

• Build the risk function: processes, team roles and escalation paths across Support, Moderation and Engineering.

• Act as the key risk and payments counterpart for providers, acquirers and card schemes.

Requirements:

• 5+ years in payments (PSP, marketplace, fintech, gaming or creator economy with global card acceptance), including ownership of fraud or risk outcomes.

• Deep knowledge of card payments: 3DS and liability shift, the chargeback lifecycle, Visa/Mastercard monitoring programs, routing and cascading.

• A track record of negotiating with and launching payment providers.

• Strong analytical skills, including hands-on SQL.

• Able to own decisions with direct financial impact and to drive cross-team work.

• Nice to have: familiarity with crypto payments.

Why it is a fantastic opportunity:

• Our business is growing at an exponential scale.

• Non-bureaucratic management that focuses on results.

• Regular performance reviews to assess your progress.

• Remote setup with access to our hubs in Dubai, Yerevan, London and Belgrade.

• Compensation for medical expenses.

• Provision of necessary equipment.

• Employees get access to the most advanced AI models via mira.tg.

• 20 working days of paid vacation annually.

• 11 days off per year.

• 14 days of paid sick leave to support your health and recovery when needed.