Fraud and Risk Payment Control Specialist - Mandarin (HK Digital Asset & Crypto)

As a Fraud and Risk Payment Control Specialist at ConnectOS, you identify fraud and risk patterns across card-based payment flows, design and optimize risk control strategies, and investigate suspicious activities to protect the business and its customers. You work closely with product, engineering, compliance, banking partners, and card networks to ensure a secure and compliant payment ecosystem. The ideal candidate has experience in payment risk, fraud prevention, or financial crime operations within crypto exchanges, Web3 payment platforms, cross-border payments, or payment anti-fraud environments.

What you'll do

• Use transaction and user behaviour data to identify risk patterns in card-based deposit and withdrawal flows, including fraud, cash-out abuse, stolen card and card-not-present (CNP) fraud, and malicious chargebacks. Produce risk analysis reports.
• Independently design, deploy, and tune risk control strategies such as blacklists, whitelists, rule engines, and risk scoring, covering application-level anti-fraud, transaction-level anti-fraud, and account risk monitoring.
• Conduct in-depth analysis of suspicious transactions and organised fraud rings, and translate findings into playbooks that feed back into strategy improvements.
• Continuously monitor core metrics such as strategy hit rate, false-positive rate, and fraud loss rate, with regular reviews and iteration.
• Work closely with product, engineering, compliance, customer support, banks, and card networks to drive risk issues through to resolution.

What you bring

• 3-5 years of relevant risk control experience, with hands-on experience in at least one of the following: crypto exchanges, Web3 payment platforms, cross-border payment platforms, or payment anti-fraud platforms.
• Familiarity with risk points across the card deposit and withdrawal chain, including 3DS, chargebacks, cash-out abuse, stolen and CNP fraud.
• Familiarity with risk control logic for prepaid and virtual card issuance, including application anti-fraud, transaction monitoring, and money laundering detection.
• Ability to independently design and implement risk strategies, with a quantitative mindset around measuring strategy effectiveness.
• Data sensitivity with clear logical thinking; ability to spot risk patterns within large datasets.
• Self-driven approach; ability to independently push issues to resolution rather than relying on being assigned tasks.
• Resilience under pressure; ability to respond to sudden risk events.
• Proficiency in SQL with the ability to independently extract and analyse data.
• Fluency in both Mandarin and English, spoken and written.

Nice to have

• Experience with Python and/or BI tools such as Tableau or Metabase.
• Experience applying risk models or machine learning.
• Familiarity with major card network rules such as Visa VAMP and Mastercard Excessive Chargeback Program.
• Knowledge of overseas regulatory frameworks such as MSB, MiCA, and VASP.

What we offer

• Permanent work-from-home arrangement
• Medical, dental coverage and life insurance from day 1 of employment
• Paid vacation and sick leave with quarterly sick leave conversion
• Competitive salary package and annual appraisal
• Financial assistance program
• Mandatory government benefits and 13th month pay
• Complimentary sleeping quarters and coffee
• Complimentary office fitness and wellness facilities
• Regular company events, work-life balance, and career growth opportunities
• Accessible location at the Mega Tower, EDSA, in Metro Manila

About ConnectOS

ConnectOS is a certified Great Place to Work and a top-rated Philippines employer of choice, operating in the digital asset and crypto payment space.