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

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

This role owns fraud prevention, AML strategy, and fund flow risk management , covering the full lifecycle from fiat on/off ramps to on-chain transactions . The ideal candidate can trace and assess end-to-end fund flows , identify suspicious patterns, and drive clear risk decisions and account actions .

This role is not a regulatory-facing MLRO/compliance role , but will work closely with the Philippines (PH) Risk & AML team to ensure strong local execution.

Key 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

- 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

- Build unified strategies that connect 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)

- 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

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

- Analyze and trace 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)

- 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

- 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

- Build unified systems that support 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

- Work closely with PH Risk & AML team for execution and local alignment

- Partner with Product, Engineering, Compliance, and Operations globally

Requirements

Experience

- 8+ years in fraud risk, AML, payments risk, or risk strategy , with 3+ years in leadership

- Strong experience in payments, crypto exchanges, or fintech platforms

- Proven experience managing fiat transaction risk and/or payment fraud

Core Competencies

- Deep expertise in anti-fraud (ATO, 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 (block/freeze/restrict)

- Experience designing scalable risk strategies and rule systems

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