Coins.ph - Senior Director, Risk Strategy (Fraud & AML
Requirements
• 8+ years in fraud risk, AML, payments risk, or risk strategy, with 3+ years in leadership • fraud risk, AML, payments risk, or risk strategy • Strong experience in payments, crypto exchanges, or fintech platforms • payments, crypto exchanges, or fintech platforms • Proven experience managing fiat transaction risk and/or payment fraud • fiat transaction risk and/or payment fraud • Core Competencies • Core Competencies • Deep expertise in anti-fraud (ATO, payment fraud, scams) and AML • anti-fraud (ATO, payment fraud, scams) • Strong understanding of fiat transaction flows, payment systems, and risk controls • fiat transaction flows, payment systems, and risk controls • Ability to trace fund flows across fiat and crypto and identify suspicious patterns • trace fund flows across fiat and crypto • Experience making or guiding account-level risk decisions (block/freeze/restrict) • account-level risk decisions (block/freeze/restrict) • Experience designing scalable risk strategies and rule systems • Tools & Data • Hands-on experience with Elliptic (or similar tools like Chainalysis / TRM) • Elliptic • Ability to translate tool outputs into risk decision logic • risk decision logic • Strong data skills (SQL required, Python preferred) • Leadership & Collaboration • Strong leadership and execution capability across functions • Experience working with regional or distributed teams • Fluent in English • Experience with both fiat payments risk and crypto risk • fiat payments risk and crypto risk • Experience analyzing complex fund flows (multi-hop, cross-channel) • complex fund flows (multi-hop, cross-channel) • Familiarity with Southeast Asia / Philippines market • CAMS or similar certifications • A full-stack risk leader across fraud, AML, and payments • full-stack risk leader • fraud, AML, and payments • Someone who can trace money end-to-end (fiat → crypto → fiat) • trace money end-to-end (fiat → crypto → fiat) • A decision-maker who can translate analysis into clear account actions • translate analysis into clear account actions • A builder who can turn strategies into scalable systems • A partner who can work effectively with PH teams
Responsibilities
• 1. End-to-End Risk Strategy (Fraud + AML + Fund Flows) • Own and drive the overall fraud prevention and AML strategy across fiat and crypto • fraud prevention and AML strategy • Design 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 • payment fraud, account takeover, mule activity, scams, and money laundering • Build unified strategies that connect user behavior, transaction activity, and fund flows (fiat + on-chain) • user behavior, transaction activity, and fund flows (fiat + on-chain) • Balance risk control with user experience and operational efficiency • 2. Fiat Risk & Payment Flow Control (New - Core Requirement) • Design and optimize risk strategies for fiat on-ramp and off-ramp flows (bank transfers, e-wallets, payment rails) • fiat on-ramp and off-ramp flows • Monitor and assess incoming and outgoing fiat transactions for fraud and AML risks • incoming and outgoing fiat transactions • Define review, approval, and escalation mechanisms for high-risk transactions • Work closely with payment partners and internal teams to manage risk exposure • 3. Fund Flow Analysis & Risk Decisioning (Key Differentiator) • Analyze and trace end-to-end fund flows across fiat and crypto • 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 (e.g., allow, block, restrict, freeze, escalate) • account-level actions • Build frameworks for consistent and explainable risk decision-making • 4. On-chain Risk & Tooling (Elliptic Focus) • Leverage and optimize Elliptic to strengthen on-chain monitoring and AML capabilities • Elliptic • Translate blockchain intelligence into actionable risk strategies (e.g., scam flows, high-risk wallets) • Integrate Elliptic signals into internal systems for automated decision-making • Evaluate other tools (e.g., Chainalysis, TRM) where needed • 5. Risk System & Platform Development • Lead the design of scalable risk infrastructure, including rule engines, decision engines, and case management systems • rule engines, decision engines, and case management systems • Build unified systems that support fraud, AML, and fund flow monitoring • fraud, AML, and fund flow monitoring • Drive real-time decisioning and reduce reliance on manual processes • 6. Data-driven Optimization • Identify emerging fraud and AML typologies using data analysis • Define and track key metrics (fraud loss, detection rate, false positives, operational efficiency) • Implement testing frameworks (A/B testing, rule tuning, segmentation) • 7. Team Leadership & Cross-regional Collaboration • Build and lead teams across risk strategy, fraud operations, and AML operations • risk strategy, fraud operations, and AML operations • Work closely with PH Risk & AML team for execution and local alignment • Partner with Product, Engineering, Compliance, and Operations globally
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