About the role
Coins
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.
- 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.
- 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.
- 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.
- 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.
Regulatory & Governance
Product & Business Partnership
Execution & Leadership
Payments, Wallet & Crypto Risk
Qualifications
- 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.
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