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

Job description

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