Principal Product Manager - Compliance / AML / Risk Platform

As a Principal Product Manager for Compliance, AML, and Risk at coins.ph, you own the product strategy for a comprehensive compliance and risk platform serving a regulated fintech operation in the Philippines. You translate BSP and AMLC regulatory requirements into scalable product features while balancing user conversion with compliance rigor across KYC onboarding, AML/CFT monitoring, fraud prevention, and internal risk tooling.

What you'll do

• Own the product roadmap for AML/CFT, transaction monitoring, sanctions screening, and suspicious activity reporting (SAR/STR) systems
• Design and optimize risk scoring frameworks across onboarding and the transaction lifecycle
• Partner with the Compliance team to translate BSP and AMLC regulations into scalable product features
• Build and improve KYC/KYB onboarding flows for individuals and businesses
• Optimize CDD/EDD processes, including document verification, liveness checks, and risk tiering
• Balance conversion versus compliance, reducing friction without increasing risk
• Define and implement fraud detection strategies covering account takeover, scams, mule accounts, and related threats
• Collaborate with data teams to develop rules engines, alerting systems, and case management tools
• Improve real-time monitoring capabilities for transactions and user behavior
• Build internal tools for case management, investigation workflows, audit trails, and reporting
• Integrate with external vendors including KYC providers, blockchain analytics, and sanctions lists
• Act as the bridge between regulatory requirements and product implementation, working closely with Compliance, Risk and Fraud Ops, Data Science and Analytics, and Engineering teams

What you bring

• 5+ years of Product Management experience, preferably in fintech, payments, or crypto
• Strong understanding of AML/CFT frameworks, KYC/KYB processes, and transaction monitoring
• Proven experience building or managing risk engines, fraud systems, or compliance platforms
• Familiarity with Philippines regulations (BSP and AMLC) or similar regulatory environments
• Demonstrated ability to translate regulatory requirements into scalable product solutions

Nice to have

• Experience in crypto, blockchain, or exchange platforms
• Knowledge of fraud typologies including scams, mule accounts, and phishing
• Knowledge of sanctions screening and travel rule requirements
• Experience with blockchain analytics tools such as Chainalysis, TRM, or Elliptic
• Experience with identity verification vendors such as Onfido, Sumsub, or Jumio
• Background in compliance, risk, or data analytics