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

As Director of Risk Strategy at coins.ph, you lead the design and execution of the 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 role is not regulatory-facing, but works closely with the Philippines Risk & AML team to ensure strong local execution.

What you'll do

• Own and drive the overall fraud prevention and AML strategy across fiat and crypto, designing 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 across both fiat and on-chain channels
• 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 AML risks
• Define review, approval, and escalation mechanisms for high-risk transactions
• Work closely 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 decisions on account-level actions such as allow, block, restrict, freeze, or escalate
• 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 such as scam flows and high-risk wallets
• Integrate Elliptic signals into internal systems for automated decision-making
• 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
• Build unified systems that support fraud, AML, and fund flow monitoring
• Drive real-time decisioning and reduce reliance on manual processes
• Identify emerging fraud and AML typologies using data analysis
• Define and track key metrics including fraud loss, detection rate, false positives, and operational efficiency
• Implement testing frameworks such as A/B testing, rule tuning, and segmentation
• Build and lead teams across risk strategy, fraud operations, and AML operations
• Work closely with the PH Risk & AML team for execution and local alignment
• Partner 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 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 techniques including account takeover, payment fraud, and scams, plus 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 such as block, freeze, or restrict
• 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
• 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 scenarios
• Familiarity with Southeast Asia or Philippines market
• CAMS or similar certifications

About coins.ph

coins.ph is a fintech platform operating in the Philippines, serving users across fiat and crypto ecosystems with a focus on payments and exchange services.