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.

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, freeze?)
• 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

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

• 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

• 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