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

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

• 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

• 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

• 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

• 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

• 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

• 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)

• 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