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

As Director of Risk Strategy at coins.ph, you lead the design and execution of the company's end-to-end risk control framework across both fiat and crypto ecosystems. You own fraud prevention, AML strategy, and fund flow risk management, covering the full lifecycle from fiat on/off ramps to on-chain transactions. This is a strategic leadership role focused on tracing and assessing end-to-end fund flows, identifying suspicious patterns, and driving clear risk decisions and account actions. You work closely with the Philippines Risk & AML team on local execution but are not a regulatory-facing MLRO or compliance role.

What you'll do

• Own and drive the overall fraud prevention and AML strategy across fiat and crypto, designing strategies across the full lifecycle from onboarding and login through fiat deposits/withdrawals, trading, and crypto transfers
• Identify and mitigate risks including payment fraud, account takeover, mule activity, scams, and money laundering while balancing risk control with user experience and operational efficiency
• Design and optimize risk strategies for fiat on-ramp and off-ramp flows covering bank transfers, e-wallets, and payment rails, and define review, approval, and escalation mechanisms for high-risk transactions
• Analyze and trace end-to-end fund flows across fiat and crypto to identify suspicious patterns such as layering, structuring, mule networks, and fraud-linked flows
• Make or guide decisions on account-level actions (allow, block, restrict, freeze, escalate) and build frameworks for consistent and explainable risk decision-making
• Leverage and optimize Elliptic to strengthen on-chain monitoring and AML capabilities, translate blockchain intelligence into actionable risk strategies, and evaluate other tools such as Chainalysis and TRM where needed
• Lead the design of scalable risk infrastructure including rule engines, decision engines, and case management systems that support fraud, AML, and fund flow monitoring
• Identify emerging fraud and AML typologies using data analysis, define and track key metrics such as fraud loss, detection rate, false positives, and operational efficiency, and implement testing frameworks including A/B testing, rule tuning, and segmentation
• Build and lead teams across risk strategy, fraud operations, and AML operations, working closely with the PH Risk & AML team for execution and local alignment while partnering with Product, Engineering, Compliance, and Operations globally

What you bring

• 8+ years in fraud risk, AML, payments risk, or risk strategy, with 3+ years in a leadership role
• Strong experience in payments, crypto exchanges, or fintech platforms
• Proven experience managing fiat transaction risk and/or payment fraud
• Deep expertise in anti-fraud (account takeover, 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
• Hands-on experience with Elliptic or similar tools such as Chainalysis or TRM, and the ability to translate tool outputs into risk decision logic
• Strong data skills with SQL required and Python preferred
• 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 including multi-hop and cross-channel transactions
• Familiarity with Southeast Asia or Philippines market
• CAMS or similar certifications

About coins.ph

coins.ph is a fintech platform operating in the Philippines that serves both fiat and crypto ecosystems, combining payments and cryptocurrency services for its users.