Join the Pioneer Crypto Brand in the Philippines!

Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services.

Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

Role Review

The Chief Risk Officer (CRO) will be responsible for designing, building, and continuously strengthening Coins.ph's enterprise risk management framework across:

e-money and wallet operations,
domestic and cross-border payments,
remittance,
crypto and digital asset services,
treasury and liquidity risk,
fraud and operational risk,
and strategic business risk

This leader will play a critical role in enabling sustainable growth while ensuring the company maintains a strong risk posture and regulatory standing.

The ideal candidate combines:

deep fintech and payments risk expertise,
strong understanding of BSP-regulated businesses,
operational and execution strength,
data-driven decision making,
and the ability to balance growth, user experience, and risk management

This role requires someone who is highly effective in cross-functional execution, capable of driving complex risk initiatives end-to-end, and experienced in working closely with regulators, executive leadership, and Board committees.

Key Responsibilities
Enterprise Risk Management

Lead the company's overall enterprise risk management (ERM) framework and risk governance structure
Define and continuously evolve the company's risk appetite framework across:

payments,
wallet services,
remittance,
crypto,
liquidity,
operations,
and strategic initiatives

Develop risk policies, controls, monitoring frameworks, and escalation processes
Provide regular risk reporting and risk insights to executive management and Board committees

Payments, Wallet & Crypto Risk

Oversee risk management across:

domestic payments,
cross-border payments,
e-wallets,
remittance,
crypto trading and transfers,
partner ecosystems,
and treasury operations

Establish scalable controls for:

transaction risk,
fraud prevention,
account takeover,
mule activity,
payment abuse,
chargeback risk,
liquidity and settlement risk,
and digital asset exposure

Partner with Compliance and AML teams on financial crime and fraud risk management
Ensure risk controls appropriately balance security, operational efficiency, and customer experience

Regulatory & Governance

Work closely with BSP and other regulators on risk-related governance, examinations, remediation programs, and supervisory requirements
Support the company's regulatory obligations as an EMI and VASP-regulated entity
Ensure strong risk governance across new products, partnerships, and market expansion initiatives
Lead enterprise risk assessments and stress-testing exercises where appropriate

Product & Business Partnership

Partner closely with Product, Engineering, Data, Operations, Treasury, Legal, and Compliance teams to enable responsible innovation and business growth
Embed risk management into product design, operational workflows, and strategic decision-making
Build scalable risk infrastructure and decisioning capabilities leveraging automation, analytics, and technology
Provide practical, business-oriented risk guidance in a fast-moving fintech and crypto environment

Execution & Leadership

Build and lead a high-performing risk organization across:

fraud risk,
operational risk,
payments risk,
enterprise risk,
treasury/liquidity risk,
and risk analytics

Drive cross-functional execution of high-priority risk and operational initiatives
Foster a strong culture of accountability, urgency, operational excellence, and data-driven risk management
Mentor senior leaders and strengthen organizational capability at scale

Qualifications

12+ years of experience in:

fintech,
payments,
e-money/EMI,
digital banking,
remittance,
crypto,
or financial services risk management

Strong understanding of BSP-regulated businesses and Philippine financial services regulation
Deep expertise in:

payments risk,
fraud risk,
operational risk,
enterprise risk management,
and risk governance

Proven experience designing and scaling risk frameworks in high-growth environments
Strong analytical and operational execution capabilities
Demonstrated ability to lead large-scale, cross-functional initiatives
Strong executive presence and stakeholder management skills
Experience engaging with regulators, auditors, and Board committees

Join the Coins Team Now!

Meaningful Collaborations - The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.

Scalable Growth - Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.

A Space For Bright Ideas - Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.