Director, Risk Strategy (Fraud & AML | Fiat + Crypto)

Coins.ph · China, Hong Kong, Philippines, Singapore · posted today ago

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About this role

We are looking for an experienced Risk Strategy Leader to lead the design and execution of our end-to-end risk control framework across both fiat and crypto ecosystems.

This role owns fraud prevention, AML strategy, and fund flow risk management, covering the full lifecycle from fiat on/off ramps to on-chain transactions. The ideal candidate can trace and assess end-to-end fund flows, identify suspicious patterns, and drive clear risk decisions and account actions.

This role is not a regulatory-facing MLRO/compliance role, but will work closely with the Philippines (PH) Risk & AML team to ensure strong local execution.

Key Responsibilities

1. End-to-End Risk Strategy (Fraud + AML + Fund Flows)

Own and drive the overall fraud prevention and AML strategy across fiat and crypto
Design strategies across the full lifecycle: onboarding, login, fiat deposits/withdrawals, trading, and crypto transfers
Identify and mitigate risks such as payment fraud, account takeover, mule activity, scams, and money laundering
Build unified strategies that connect user behavior, transaction activity, and fund flows (fiat + on-chain)
Balance risk control with user experience and operational efficiency

2. Fiat Risk & Payment Flow Control (New - Core Requirement)

Design and optimize risk strategies for fiat on-ramp and off-ramp flows (bank transfers, e-wallets, payment rails)
Monitor and assess incoming and outgoing fiat transactions for fraud and AML risks
Define review, approval, and escalation mechanisms for high-risk transactions
Work closely with payment partners and internal teams to manage risk exposure

3. Fund Flow Analysis & Risk Decisioning (Key Differentiator)

Analyze and trace end-to-end fund flows across fiat and crypto
Identify suspicious patterns such as layering, structuring, mule networks, and fraud-linked flows
Make or guide decisions on account-level actions (e.g., allow, block, restrict, freeze, escalate)
Build frameworks for consistent and explainable risk decision-making

4. On-chain Risk & Tooling (Elliptic Focus)

Leverage and optimize Elliptic to strengthen on-chain monitoring and AML capabilities
Translate blockchain intelligence into actionable risk strategies (e.g., scam flows, high-risk wallets)
Integrate Elliptic signals into internal systems for automated decision-making
Evaluate other tools (e.g., Chainalysis, TRM) where needed

5. Risk System & Platform Development

Lead the design of scalable risk infrastructure, including rule engines, decision engines, and case management systems
Build unified systems that support fraud, AML, and fund flow monitoring
Drive real-time decisioning and reduce reliance on manual processes

6. Data-driven Optimization

Identify emerging fraud and AML typologies using data analysis
Define and track key metrics (fraud loss, detection rate, false positives, operational efficiency)
Implement testing frameworks (A/B testing, rule tuning, segmentation)

7. Team Leadership & Cross-regional Collaboration

Build and lead teams across risk strategy, fraud operations, and AML operations
Work closely with PH Risk & AML team for execution and local alignment
Partner with Product, Engineering, Compliance, and Operations globally

Requirements

Experience

8+ years in fraud risk, AML, payments risk, or risk strategy, with 3+ years in leadership
Strong experience in payments, crypto exchanges, or fintech platforms
Proven experience managing fiat transaction risk and/or payment fraud

Core Competencies

Deep expertise in anti-fraud (ATO, payment fraud, scams) and AML
Strong understanding of fiat transaction flows, payment systems, and risk controls
Ability to trace fund flows across fiat and crypto and identify suspicious patterns
Experience making or guiding account-level risk decisions (block/freeze/restrict)
Experience designing scalable risk strategies and rule systems