Chief Risk Officer

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.

• 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.

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• 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.

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• 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.

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• 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.

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• 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.