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

Skills

About the Role

You will lead the design and execution of an end-to-end risk control framework spanning both fiat and crypto ecosystems. You will own fraud prevention, AML strategy, and fund flow risk management across the full lifecycle from fiat on/off ramps to on-chain transactions. You'll trace and assess fund flows, identify suspicious patterns, and drive clear risk decisions and account actions. While this is not a regulatory-facing MLRO/compliance role, you will work closely with the Philippines Risk & AML team to ensure strong local execution, and you'll partner with Product, Engineering, Compliance, and Operations globally.

Requirements

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

Responsibilities

• 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
• Balance risk control with user experience and operational efficiency
• Design and optimize risk strategies for fiat on-ramp and off-ramp flows
• 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
• 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 such as allow, block, restrict, freeze, or escalate
• Build frameworks for consistent and explainable risk decision-making
• Leverage and optimize Elliptic to strengthen on-chain monitoring and AML capabilities
• Translate blockchain intelligence into actionable risk strategies
• Integrate Elliptic signals into internal systems for automated decision-making
• Evaluate other tools such as Chainalysis and TRM where needed
• 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
• Identify emerging fraud and AML typologies using data analysis
• Define and track key metrics such as fraud loss, detection rate, false positives, and operational efficiency
• Implement testing frameworks such as A/B testing, rule tuning, and segmentation
• Build and lead teams across risk strategy, fraud operations, and AML operations
• Work closely with the Philippines Risk & AML team for execution and local alignment
• Partner with Product, Engineering, Compliance, and Operations globally