Payments & risk manager in Web3

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.

• 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.

• 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.
• Будет плюсом: familiarity with crypto payments

• 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.