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

As Director of Risk Strategy at coins.ph, you will lead the design and execution of an 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 not a regulatory-facing MLRO/compliance role, but you will work 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 of onboarding, login, fiat deposits and 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 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 channels.
• 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 including 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 of experience 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 such as block, freeze, or restrict actions.
• 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, including 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 across 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 across fiat and crypto ecosystems in Southeast Asia, serving users and merchants across the region.