风险策略总监（欺诈与反洗钱 | 法币 + 加密货币）
Director, Risk Strategy (Fraud & AML | Fiat + Crypto)
我们正在寻找一位经验丰富的风险策略负责人，负责设计和执行我们在法币和加密货币生态系统中的端到端风险控制框架。
该职位负责欺诈预防、反洗钱策略和资金流动风险管理，涵盖从法币充值/提现到链上交易的整个生命周期。理想的候选人能够追踪和评估端到端资金流动，识别可疑模式，并推动明确的风险决策和账户操作。
该职位不是面向监管的MLRO/合规角色，但将与菲律宾（PH）风险与反洗钱团队紧密合作，确保本地执行有力。
关键职责
1. 端到端风险策略（欺诈 + 反洗钱 + 资金流动）
- 在法币和加密货币领域主导整体欺诈预防和反洗钱策略
- 设计覆盖整个生命周期的策略：开户、登录、法币存取款、交易和加密货币转账
- 识别并缓解支付欺诈、账户盗用、洗钱活动、诈骗和洗钱等风险
- 构建统一策略，连接用户行为、交易活动和资金流动（法币 + 链上）
- 平衡风险控制与用户体验和运营效率
2. 法币风险与支付流程控制（新增 - 核心要求）
- 设计并优化法币充值和提现流程的风险策略（银行转账、电子钱包、支付通道）
- 监控并评估法币交易的欺诈和反洗钱风险
- 定义高风险交易的审查、审批和升级机制
- 与支付合作伙伴和内部团队紧密合作，管理风险敞口
3. 资金流动分析与风险决策（关键差异化点）
- 分析并追踪法币和加密货币中的端到端资金流动
- 识别可疑模式，如分层、拆分、洗钱网络和与欺诈相关的资金流动
- 做出或指导账户级别的操作决策（例如，允许、阻止、限制、冻结、升级）
- 构建一致且可解释的风险决策框架
4. 链上风险与工具（Elliptic 重点）
- 利用并优化 Elliptic 来加强链上监控和反洗钱能力
- 将区块链情报转化为可操作的风险策略（例如，诈骗资金流动、高风险钱包）
- 将 Elliptic 信号集成到内部系统中以实现自动化决策
- 在需要时评估其他工具（例如，Chainalysis、TRM）
5. 风险系统与平台开发
- 主导可扩展风险系统的架构设计
查看英文原文
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
Originally posted on Himalayas