Head of Fraud

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands-on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the Role

The Head of Fraud is responsible for defining and executing the bank’s end-to-end fraud risk management strategy to protect customers and the business while enabling growth.

This role provides leadership across three core pillars: Fraud Strategy & Intelligence, Fraud Forensics & Investigations, and Fraud Operations, ensuring a cohesive and data-driven approach to fraud prevention, detection, response, and recovery across all products and channels.

The role balances fraud risk mitigation with customer experience, ensures compliance with BSP and regulatory expectations, and drives strong collaboration across Technology, Product, Risk, and Operations.

Define and evolve the bank’s fraud risk strategy and risk appetite aligned with regulatory expectations and business goals

Own fraud risk management across deposits, cards, lending, and payments

Lead fraud risk assessments for new products, features, and partnerships

Design and implement preventive fraud controls (rules, limits, system safeguards)

Oversee fraud analytics, reporting, and MO’s for executive and regulatory visibility

Drive data-led decision making, including detection rules and model optimization

Monitor emerging fraud trends and scam typologies

Ensure fraud policies, procedures, and governance frameworks are robust and up to date

Lead end-to-end fraud investigations across scams, ATO, card fraud, and mule accounts

Oversee case management, documentation, and evidence handling in line with BSP and legal requirements

Drive fund recovery efforts with partner banks, payment networks, and stakeholders

Build and manage relationships with law enforcement (PNP, NBI) and industry networks

Conduct deep forensic and transaction analysis to identify root causes and systemic gaps

Translate investigation insights into improvements in fraud controls and strategy

Support regulatory inquiries and legal proceedings related to fraud cases

Own fraud decisioning frameworks (approve, decline, escalate, block)

Oversee customer protection actions (blocking, step-up verification, interventions)

Manage fraud disputes, scam claims, and customer remediation

Ensure SLA adherence, quality, and operational consistency

Drive automation, tooling, and process optimization for scale and efficiency

Balance fraud controls with customer experience, minimizing friction and false positives

Build and lead a high-performing, multi-functional fraud organization

Establish governance, escalation frameworks, and decision-making structures

Partner with Technology, Product, Risk, Compliance, and CX to embed fraud controls

Represent fraud in executive forums, risk committees, and regulatory engagements

Collaborate with external partners (banks, networks, industry bodies)

Requirements

Bachelor’s degree in Business, Finance, or a related field

Extensive experience in fraud risk management within banking or financial services

Proven leadership across fraud strategy, investigations, and operations (end-to-end fraud lifecycle)

Strong understanding of digital banking fraud, payment systems, and Philippine fraud landscape

Experience working with law enforcement and fraud recovery processes

Demonstrated ability to design and implement fraud policies, controls, and frameworks

Strong analytical and data-driven decision-making capability

Excellent stakeholder management and communication skills, with the ability to influence senior leadership

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GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands-on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.