Coins.ph

Digital wallet, bill payments, crypto trading

Director – Risk Strategy - Fraud & AML, Fiat + Crypto

Financial Crime & AMLConfirmed live in the last 24 hours

Full-timeNo salary listedRemote

About the Job

Requirements

At least 8 years of experience in fraud risk, anti-money laundering, payments risk, or risk strategy, including at least 3 years in leadership.
Strong experience in payments, crypto exchanges, or fintech platforms.
Proven experience managing fiat transaction risk and/or payment fraud.
Deep expertise in anti-fraud, including account takeover, payment fraud, and scams, and in anti-money laundering.
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, including blocking, freezing, or restricting accounts.
Experience designing scalable risk strategies and rule systems.
Hands-on experience with Elliptic or similar tools such as Chainalysis or TRM.
Ability to translate tool outputs into risk decision logic.
Strong data skills, with SQL required and Python preferred.
Experience working with regional or distributed teams.
Fluency in English.

Responsibilities

Own and drive fraud prevention and anti-money-laundering strategy across fiat and crypto.
Design risk strategies across onboarding, login, fiat deposits and withdrawals, trading, and crypto transfers.
Identify and mitigate payment fraud, account takeover, mule activity, scams, and money laundering.
Build unified strategies connecting user behavior, transaction activity, and fiat and on-chain fund flows.
Balance risk control with user experience and operational efficiency.
Design and optimize risk strategies for fiat on-ramp and off-ramp flows, including bank transfers, e-wallets, and payment rails.
Monitor and assess incoming and outgoing fiat transactions for fraud and anti-money-laundering risks.
Define review, approval, and escalation mechanisms for high-risk transactions.
Work with payment partners and internal teams to manage risk exposure.
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 account-level actions, including allowing, blocking, restricting, freezing, or escalating accounts.
Build frameworks for consistent and explainable risk decision-making.
Leverage and optimize Elliptic for on-chain monitoring and anti-money-laundering capabilities.
Translate blockchain intelligence into actionable risk strategies, including identifying scam flows and high-risk wallets.
Integrate Elliptic signals into internal systems for automated decision-making.
Evaluate other tools, such as Chainalysis and TRM, as needed.
Lead the design of scalable risk infrastructure, including rule engines, decision engines, and case management systems.
Build unified systems supporting fraud, anti-money-laundering, and fund-flow monitoring.
Drive real-time decision-making and reduce reliance on manual processes.
Identify emerging fraud and anti-money-laundering typologies using data analysis.
Define and track key metrics, including fraud loss, detection rate, false positives, and operational efficiency.
Implement testing frameworks, including A/B testing, rule tuning, and segmentation.
Build and lead teams across risk strategy, fraud operations, and anti-money-laundering operations.
Work with the Philippines Risk & AML team on execution and local alignment.
Partner with Product, Engineering, Compliance, and Operations teams globally.

Desired Qualifications

Experience with both fiat payments risk and crypto risk.
Experience analyzing complex fund flows, including multi-hop and cross-channel flows.
Familiarity with Southeast Asia or the Philippines market.
CAMS or similar certifications.

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

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

About the Company

Coins.ph

Digital wallet, bill payments, crypto trading

Coins.ph is a digital wallet and financial services platform in the Philippines. It lets users pay bills (utilities, government services, telecom), buy mobile load, and trade cryptocurrencies like Bitcoin, Ethereum, and Bitcoin Cash. The service targets individuals who want an easy way to manage money and pay for services, as well as small businesses that need simple payment workflows. Transactions incur small fees, and Coins.ph earns through partnerships and rebates with service providers. A cardless ATM feature allows cash withdrawals without a physical card. The product is designed to be simple and accessible, aiming to make financial tasks fast and convenient. The company’s goal is to provide seamless, all-in-one financial services that expand access to digital money for Filipinos.

Company size: 201-500
Company stage: Series C
Total funding: $40.1M
Headquarters: Manila, Philippines
Founded: 2014

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