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

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

**Locations:** Shanghai, China / Taguig City, Metro Manila, Philippines / Shenzhen / Hong Kong, SAR / Hong Kong / Singapore, Singapore

**Department:** Data & AI & Risk – Risk Strategy

**Employment Type:** Full-time Employee

**Workplace Type:** Remote

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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.

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## 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)