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

职位要求 / 描述

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

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