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

We are looking for an experienced Risk Strategy Leaderto lead the design and execution of our end-to-end risk control framework across bothfiat and crypto ecosystems.

This role ownsfraud prevention, AML strategy, and fund flow risk management, covering the full lifecycle fromfiat on/off ramps to on-chain transactions. The ideal candidate cantrace and assess end-to-end fund flows, identify suspicious patterns, and driveclear risk decisions and account actions.

This role isnot a regulatory-facing MLRO/compliance role, but will work closely with thePhilippines (PH) Risk&AML teamto ensure strong local execution.

Key Responsibilities

1. End-to-End Risk Strategy (Fraud + AML + Fund Flows)

• Own and drive the overallfraud prevention and AML strategyacross fiat and crypto
• Design strategies across the full lifecycle: onboarding, login, fiat deposits/withdrawals, trading, and crypto transfers
• Identify and mitigate risks such aspayment fraud, account takeover, mule activity, scams, and money laundering
• Build unified strategies that connectuser 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 forfiat on-ramp and off-ramp flows(bank transfers, e-wallets, payment rails)
• Monitor and assessincoming and outgoing fiat transactionsfor 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

3. Fund Flow Analysis&Risk Decisioning (Key Differentiator)

• Analyze and traceend-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 onaccount-level actions(e.g., allow, block, restrict, freeze, escalate)
• Build frameworks for consistent and explainable risk decision-making

4. On-chain Risk&Tooling (Elliptic Focus)

• Leverage and optimizeEllipticto strengthen on-chain monitoring and AML capabilities
• 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, includingrule engines, decision engines, and case management systems
• Build unified systems that supportfraud, 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 acrossrisk 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

Requirements

Experience

• 8+ years infraud risk, AML, payments risk, or risk strategy, with 3+ years in leadership
• Strong experience inpayments, crypto exchanges, or fintech platforms
• Proven experience managingfiat transaction risk and/or payment fraud

Core Competencies

• Deep expertise inanti-fraud (ATO, payment fraud, scams)and AML
• Strong understanding offiat transaction flows, payment systems, and risk controls
• Ability totrace fund flows across fiat and cryptoand identify suspicious patterns
• Experience making or guidingaccount-level risk decisions (block/freeze/restrict)
• Experience designing scalable risk strategies and rule systems

Tools&Data

• Hands-on experience withElliptic(or similar tools like Chainalysis / TRM)
• Ability to translate tool outputs intorisk 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

Nice to Have

• Experience with bothfiat payments risk and crypto risk
• Experience analyzingcomplex fund flows (multi-hop, cross-channel)
• Familiarity with Southeast Asia / Philippines market
• CAMS or similar certifications

What We’re Looking For

• Afull-stack risk leaderacrossfraud, AML, and payments
• Someone who cantrace money end-to-end (fiat → crypto → fiat)
• A decision-maker who cantranslate analysis into clear account actions
• A builder who can turn strategies into scalable systems
• A partner who can work effectively with PH teams