Fraud Risk Expert/Manager

About the role

This role focuses on enhancing fraud detection and prevention within Coins.ph, a regulated crypto platform in the Philippines. The expert will partner with business leaders to identify fraud vulnerabilities across products and operations, then design and implement detection frameworks and monitoring systems. This includes analyzing fraud trends, leading complex investigations, and ensuring all activities comply with regulatory standards.

A key component of this position involves extensive engagement with regulatory bodies and law enforcement. The expert will act as a subject matter expert, coordinating with entities like the Bangko Sentral ng Pilipinas (BSP) for audits, evidence handling, and prosecution support. This also includes developing and maintaining fraud risk policies aligned with Philippine financial regulations, such as AFASA and AMLA.

Success in this role means embedding robust fraud prevention and regulatory controls into systems and workflows through cross-functional collaboration with Product, Engineering, Compliance, and Operations teams. The expert will translate fraud risk insights into scalable solutions and present data-driven reports to senior leadership, ensuring the organization maintains audit readiness and addresses regulatory findings effectively.

The listed salary range of $135,000 to $245,000 USD reflects compensation for a middle-seniority role focused on fraud risk management and regulatory compliance.

Skills that matter here

• Fraud Risk Management: This role involves designing, implementing, and enhancing frameworks to detect and prevent various types of fraud.
• Data Analysis: The expert will analyze fraud trends and typologies using tools like SQL or Python to identify risks and improve controls.
• Compliance: A core responsibility is ensuring all fraud investigations and policies adhere to regulatory, legal, and audit standards, especially those from the BSP.
• Financial Crime: The position requires deep knowledge of financial crime laws and regulations, including AMLA and AFASA, to develop compliant procedures.
• Regulatory Engagement: The expert will coordinate with regulators and law enforcement, manage BSP audits, and represent the organization in external regulatory sessions.

Who this role suits

• You have a strong analytical and detail-oriented mindset, capable of identifying risks and implementing sustainable solutions.
• You are proactive in addressing emerging threats and can translate complex regulatory requirements into practical controls.
• You are comfortable acting as a subject matter expert and communicating effectively with both technical and non-technical stakeholders.
• You thrive in a fast-paced environment and are adept at managing regulatory audits and engagements.

From the employer

• Partner with business leaders to assess fraud vulnerabilities across products and operations, and recommend mitigation strategies aligned with growth and customer experience.
• Design, implement, and continuously enhance fraud detection frameworks, rules, and monitoring systems across transactions and user activities.
• Analyze fraud trends, typologies, and emerging threats to proactively identify risks and improve controls.
• Lead end-to-end investigations of complex fraud cases, including root cause analysis, documentation, and implementation of preventive measures.
• Ensure all fraud investigations and case handling adhere to regulatory, legal, and audit documentation standards.
• Act as subject matter expert in coordinating with regulators and law enforcement agencies (e.g., PNP, NBI) for fraud case escalation, evidence handling, and prosecution support.
• Lead and support fraud-related audits conducted by the Bangko Sentral ng Pilipinas (BSP), ensuring full audit readiness across controls, documentation, and processes.
• Manage BSP audit engagements, including preparation, regulator interaction, response to findings, and timely remediation of gaps.
• Develop, review, and maintain fraud risk policies, frameworks, and procedures aligned with BSP regulations, the Anti-Financial Account Scamming Act (AFASA), AMLA, and other applicable financial crime laws.
• Ensure fraud risk controls and operational processes are compliant with current BSP circulars, regulatory expectations, and legal requirements.
• Collaborate cross-functionally with Product, Engineering, Compliance, and Operations teams to embed fraud prevention and regulatory controls into systems and workflows.
• Translate fraud risk insights and regulatory requirements into scalable controls, product enhancements, and operational improvements.
• Prepare and present clear, data-driven reports on fraud trends, risk exposure, and audit findings to senior leadership and stakeholders.
• Serve as the Primary Point of Contact (PIC) for Risk Operations, overseeing coordination, escalation handling, and alignment across fraud and risk-related initiatives.
• Represent the organization in external legal and regulatory sessions as needed, including discussions, hearings, consultations, and industry or compliance forums related to fraud and risk matters.
• Perform ad hoc tasks and special projects related to fraud risk, compliance, and operations as required, depending on evolving business needs.
• Coordinate with internal departments and external stakeholders to ensure timely resolution of fraud, risk, compliance, and operational issues.

• Hold a Bachelor’s degree in Finance, Business, Criminal Justice, Data Analytics, or a related field, with professional certifications such as CFE or CAMS considered a strong advantage.
• Bring at least 5-7 years of experience in fraud risk management, financial crime, or risk and compliance within fintech, crypto, banking, or financial services.
• Demonstrate hands-on experience working on audits by the Bangko Sentral ng Pilipinas, including audit preparation, documentation, regulator engagement, and remediation.
• Possess deep knowledge of Philippine financial regulations, including BSP laws and circulars, the Anti-Financial Account Scamming Act (AFASA), Anti-Money Laundering Act (AMLA), and other relevant AML and fraud-related laws.
• Exhibit strong expertise in anti-fraud frameworks and risk management, with familiarity in fraud typologies such as account takeovers, scams, payment fraud, and identity fraud.
• Utilize fraud detection tools, case management systems, and data analysis tools (e.g., SQL, Python, or similar), with exposure to rule engines or machine learning models as an advantage.
• Demonstrate experience working with law enforcement or regulatory bodies on fraud investigations, case escalation, and evidence handling.
• Communicate complex fraud risk and regulatory concepts clearly to both technical and non-technical stakeholders, influencing decisions effectively.
• Apply a strong analytical, detail-oriented, and proactive approach to identifying risks and implementing sustainable solutions in a fast-paced environment.

• Gain exposure to cutting-edge fraud prevention technologies, regulatory engagement, and continuous professional development opportunities.
• Collaborate with a high-performing, mission-driven team focused on innovation, integrity, and operational excellence.
• Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.
• Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.