GoTyme PH

Digital bank offering free transfers, rewards

Head of Fraud

Risk ManagementConfirmed live in the last 24 hours

Full-timeQuezon City, Metro Manila, PhilippinesNo salary listed

About the Job

Requirements

A bachelor's degree in Business, Finance, or a related field is required.
Extensive experience in fraud risk management within banking or financial services is required.
Proven leadership across fraud strategy, investigations, and operations across the end-to-end fraud lifecycle is required.
Strong understanding of digital banking fraud, payment systems, and the Philippine fraud landscape is required.
Experience working with law enforcement and fraud recovery processes is required.
Ability to design and implement fraud policies, controls, and frameworks is required.
Strong analytical and data-driven decision-making capability is required.
Stakeholder management and communication skills, including the ability to influence senior leadership, are required.

Responsibilities

Define and evolve the bank’s fraud risk strategy and risk appetite in alignment with regulatory expectations and business goals.
Own fraud risk management across deposits, cards, lending, and payments.
Lead fraud risk assessments for new products, features, and partnerships.
Design and implement preventive fraud controls, including rules, limits, and system safeguards.
Oversee fraud analytics, reporting, and management information for executive and regulatory visibility.
Drive data-led decision-making, including detection rules and model optimization.
Monitor emerging fraud trends and scam typologies.
Ensure fraud policies, procedures, and governance frameworks are robust and up to date.
Lead end-to-end fraud investigations across scams, account takeover, card fraud, and mule accounts.
Oversee case management, documentation, and evidence handling in line with regulatory and legal requirements.
Drive fund recovery efforts with partner banks, payment networks, and stakeholders.
Build and manage relationships with law enforcement and industry networks.
Conduct forensic and transaction analysis to identify root causes and systemic gaps.
Translate investigation insights into improvements in fraud controls and strategy.
Support regulatory inquiries and legal proceedings related to fraud cases.
Own fraud decisioning frameworks for approving, declining, escalating, or blocking transactions.
Oversee customer protection actions, including blocking, step-up verification, and interventions.
Manage fraud disputes, scam claims, and customer remediation.
Ensure service-level agreement adherence, quality, and operational consistency.
Drive automation, tooling, and process optimization for scale and efficiency.
Balance fraud controls with customer experience, minimizing friction and false positives.
Build and lead a high-performing, multi-functional fraud organization.
Establish governance, escalation frameworks, and decision-making structures.
Partner with Technology, Product, Risk, Compliance, and Customer Experience to embed fraud controls.
Represent fraud in executive forums, risk committees, and regulatory engagements.
Collaborate with external partners, including banks, networks, and industry bodies.

Head of Fraud

GoTyme PH (Philippines) · Quezon City, Philippines (Hybrid) · Full-time · Posted 2026-09-02

Workplace: hybrid

Department: Fraud Operations

Description

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands-on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the Role

The Head of Fraud is responsible for defining and executing the bank’s end-to-end fraud risk management strategy to protect customers and the business while enabling growth.

This role provides leadership across three core pillars: Fraud Strategy & Intelligence, Fraud Forensics & Investigations, and Fraud Operations, ensuring a cohesive and data-driven approach to fraud prevention, detection, response, and recovery across all products and channels.

The role balances fraud risk mitigation with customer experience, ensures compliance with BSP and regulatory expectations, and drives strong collaboration across Technology, Product, Risk, and Operations.

Define and evolve the bank’s fraud risk strategy and risk appetite aligned with regulatory expectations and business goals
Own fraud risk management across deposits, cards, lending, and payments
Lead fraud risk assessments for new products, features, and partnerships
Design and implement preventive fraud controls (rules, limits, system safeguards)
Oversee fraud analytics, reporting, and MO’s for executive and regulatory visibility
Drive data-led decision making, including detection rules and model optimization
Monitor emerging fraud trends and scam typologies
Ensure fraud policies, procedures, and governance frameworks are robust and up to date
Lead end-to-end fraud investigations across scams, ATO, card fraud, and mule accounts
Oversee case management, documentation, and evidence handling in line with BSP and legal requirements
Drive fund recovery efforts with partner banks, payment networks, and stakeholders
Build and manage relationships with law enforcement (PNP, NBI) and industry networks
Conduct deep forensic and transaction analysis to identify root causes and systemic gaps
Translate investigation insights into improvements in fraud controls and strategy
Support regulatory inquiries and legal proceedings related to fraud cases
Own fraud decisioning frameworks (approve, decline, escalate, block)
Oversee customer protection actions (blocking, step-up verification, interventions)
Manage fraud disputes, scam claims, and customer remediation
Ensure SLA adherence, quality, and operational consistency
Drive automation, tooling, and process optimization for scale and efficiency
Balance fraud controls with customer experience, minimizing friction and false positives
Build and lead a high-performing, multi-functional fraud organization
Establish governance, escalation frameworks, and decision-making structures
Partner with Technology, Product, Risk, Compliance, and CX to embed fraud controls
Represent fraud in executive forums, risk committees, and regulatory engagements
Collaborate with external partners (banks, networks, industry bodies)

Requirements

Bachelor’s degree in Business, Finance, or a related field
Extensive experience in fraud risk management within banking or financial services
Proven leadership across fraud strategy, investigations, and operations (end-to-end fraud lifecycle)
Strong understanding of digital banking fraud, payment systems, and Philippine fraud landscape
Experience working with law enforcement and fraud recovery processes
Demonstrated ability to design and implement fraud policies, controls, and frameworks
Strong analytical and data-driven decision-making capability
Excellent stakeholder management and communication skills, with the ability to influence senior leadership

Apply

Apply at GoTyme PH (Philippines)

About the Company

GoTyme PH

Digital bank offering free transfers, rewards

GoTyme Bank offers online banking in the Philippines with real human support, providing free ATM debit cards from kiosks and a mobile app to manage accounts, transfers, rewards, and deposits. Its services include free transfers to other banks up to three times per week, up to 3x Go Rewards points on partner-store purchases redeemable as cash in the app, and a 4% annual interest rate on savings with deposits insured up to PHP 500,000. The bank differentiates itself by combining digital convenience with personal service, simple cash-out rewards, and a clear savings incentive to build loyalty. Its goal is to make everyday banking easier and more rewarding for Filipinos by blending technology with human service and a trusted, customer-focused platform.

Company size: 501-1,000
Company stage: Growth Equity (Non-Venture Capital)
Total funding: $10.4M
Headquarters: Philippines
Founded: 2021

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