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

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• **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

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• **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

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• **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

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• **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

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• **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)

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• **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**

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• **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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• **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)

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• **Leadership & Collaboration**

• Strong leadership and execution capability across functions
• Experience working with regional or distributed teams
• Fluent in English

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### 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