About the Position

Chief Risk Officer

Location: Taguig City, Metro Manila, Philippines

Company: Coins.ph

Employment Type: Full-time

Work Location Type: Hybrid

About the Role

Join the pioneer crypto brand in the Philippines! Coins is the most established crypto brand in the Philippines, trusted by over 18 million users. Fully regulated by the Bangko Sentral ng Pilipinas (BSP), Coins is the first crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

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.

Requirements

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.

Skills

Risk Management
Regulatory Compliance
Fintech
Payments Risk
Cryptocurrency
Operational Risk
Enterprise Risk Management
Fraud Risk
Strategic Business Risk
Data-driven Decision Making

We Offer

Meaningful Collaborations - 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, providing 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.

About the Company

Coins.ph is the most established crypto brand in the Philippines, trusted by over 18 million users. Fully regulated by the Bangko Sentral ng Pilipinas (BSP), Coins is the first crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

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Chief Risk Officer

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Job Description, Responsibilities & Requirements