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

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

Tools & Data

• Hands-on experience with Elliptic (or similar tools like Chainalysis / TRM)
• Ability to translate tool outputs into 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

Nice to Have

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

What We’re Looking For

• A full-stack risk leader across fraud, AML, and payments
• Someone who can trace money end-to-end (fiat → crypto → fiat)
• A decision-maker who can translate analysis into clear account actions
• A builder who can turn strategies into scalable systems
• A partner who can work effectively with PH teams