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

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

Tools & Data

Hands-on experience with Elliptic (or similar tools like Chainalysis / TRM)

Ability to translate tool outputs into risk decision logic

Strong data skills (SQL required, Python preferred)

Leadership & Collaboration

Strong leadership and execution capability across functions

Experience working with regional or distributed teams

Fluent in English

Nice to Have

Experience with both fiat payments risk and crypto risk

Experience analyzing complex fund flows (multi-hop, cross-channel)

Familiarity with Southeast Asia / Philippines market

CAMS or similar certifications

What We’re Looking For

A full-stack risk leader across fraud, AML, and payments

Someone who can trace money end-to-end (fiat → crypto → fiat)

A decision-maker who can translate analysis into clear account actions

A builder who can turn strategies into scalable systems

A partner who can work effectively with PH teams