Chief Risk Officer

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.