Risk Strategy Lead (Payment)

Leadingnation; Hong Kong; On-site; HKD 1,200,000 - 2,000,000; Full time

Job summary

OSL is seeking a senior Risk Control & Operations leader to build and lead the risk control function from the ground up in Hong Kong. You will balance risk and approval rates across cross-border B2B payments, and design scalable processes for transaction authenticity and on-chain compliance.

You will drive automation, collaborate with Product and Engineering on OCR and risk monitoring, and guide a growing team in a fast-paced, early-stage environment.

Qualifications

• 3+ years in risk control, compliance operations, or related roles within cross-border payments, B2B settlement, or PayTech.
• Team leadership experience, or proven track record of designing and launching operational workflows from the ground up—strongly preferred.
• Strong expertise in B2B trade and payments risk: familiar with international trade cycles, invoices, Bills of Lading, and Customs filings.
• In-depth understanding of stablecoins and cryptocurrency mechanics; on-chain fund tracing familiarity; knowledge of high-risk on-chain activity including mixers and sanctioned addresses.
• Experience reviewing supporting documentation across complex trade scenarios; managing follow-up requests and risk assessment.
• Clear logical reasoning and stakeholder communication; align risk control with business growth objectives.
• Comfortable working hands-on in an early-stage environment with limited tooling; risk-based mindset to tailor review intensity

Responsibilities

• Establish Dual-Track Review SOP and Tiered Risk Framework.
• End-to-End Process Design: Transaction Authenticity & On-chain Compliance.
• Develop Tiered Risk Review Mechanism based on customer risk, volume, fund flow, and behavior.
• Lead Complex Case Resolution for high-complexity edge cases with traceability of funds.
• Design High-Risk Scenario Policy balancing customer experience and compliance.
• Codify expert rules and drive automation with product/engineering collaboration.
• Collaborate with Product and Engineering for OCR, rule engines, and on-chain monitoring.

Skills

Risk control

Compliance operations

Team leadership

Cross-border payments

KYT AML

Blockchain stablecoins

Stakeholder management

Tools

Chainalysis

Elliptic

Job description

• Assessment of Complex and Non-Standard Scenarios
• Conversion
• Define differentiated requirements

About This Role

We are building a global B2B payment network built on stablecoins, designed to fundamentally solve the longstanding pain points of low efficiency and high costs in traditional cross-border settlement.

In this converging field, risk control faces entirely new and unique challenges: we must guard against fraud and money laundering typical of traditional international trade, while also ensuring the compliance and legitimacy of funds on the blockchain.

As a core member of our early-stage team, you will build and lead the Risk Control & Operations function from the ground up. Your core mission is not simply to "reject transactions" by default. Instead, applying a Risk-Based Approach, you will strike an optimal balance between maximising transaction approval rates and maintaining robust compliance security — navigating the complexities of cross-border trade documentation reviews alongside the compliance requirements of digital assets (KYT/AML).

Key Responsibilities

Establish Dual-Track Review SOP and Tiered Risk Framework

• End-to-End Process Design : Build standard operating procedures (SOPs) from scratch covering two core streams: Transaction Authenticity verification and On-chain Compliance / KYT .
• Tiered Risk Review Mechanism : Develop a multi-dimensional risk segmentation framework — based on customer risk rating, transaction volume, fund flow direction, transaction behaviour patterns and more. Define differentiated requirements for supporting documentation and review standards, so that low-risk customers are not subject to unnecessary or excessive risk checks.

Assessment of Complex and Non-Standard Scenarios

• Complex Case Resolution : Lead the comprehensive review and decision-making for high-complexity edge cases. You will be able to accurately detect forgeries and logical inconsistencies across full sets of international trade documentation (such as Proforma Invoices, Bills of Lading, Customs Declarations), as well as proficiently use blockchain explorers and third-party KYT tools (e.g. Chainalysis, Elliptic) to trace stablecoin fund sources and assess risk exposure
• High-Risk Scenario Policy Design : Develop balanced review frameworks that protect both customer experience and compliance standards, specifically for non-standard and high-risk scenarios common in B2B payments — such as third-party payments on behalf of others, and fund inflows from self-hosted wallets.

Risk Control Automation and System Capability Advancement

• Codify Expert Rules : Move beyond manual-only review workflows. Translate insights and decision‑logic gathered from manual reviews into formalised system rules, driving higher rates of automated approval.
• Collaborate on Product Evolution : Work closely with Product and Engineering teams to deliver and refine capabilities including automated document recognition (OCR), intelligent rule engines, and on-chain transaction monitoring and risk‑interception systems.

Team Leadership and Cross-Functional Collaboration

• Operational SLAs : Establish and maintain Service Level Agreements (SLAs) for the risk control team, ensuring document review turnaround times meet the real-time / near-real-time requirements of B2B operations.
• Business Acumen and Stakeholder Alignment : Act as the primary point of contact for risk control, working closely with Sales, Compliance and Product teams. You will uphold strict compliance guardlines while enabling the business to scale rapidly.

Requirements

• 3+ years of hands-on experience in risk control, compliance operations, or related roles within cross‑border payments, B2B settlement, or PayTech
• Team leadership experience, or proven track record of designing and launching operational workflows from the ground up — strongly preferred
• Strong expertise in B2B trade and payments risk: familiar with international trade cycles, able to rapidly spot authenticity risks and inconsistencies in invoices, Bills of Lading, and Customs filings
• In-depth understanding of stablecoins and cryptocurrency mechanics (USDT, USDC); working knowledge of on-chain fund tracing; familiarity with high‑risk on-chain activity including mixers, sanctioned addresses, and hack-related transactions
• Experience reviewing supporting documentation across complex trade scenarios; prior experience managing follow‑up documentation requests and behavioural risk assessment — strongly preferred
• Clear logical reasoning and stakeholder communication skills: able to align priorities and build consensus between risk control and business growth objectives
• Comfortable working hands‑on in an early‑stage environment with limited tooling; resilient and effective at making sound judgements amid uncertainty
• A risk‑based mindset: able to apply controls proportionately, tailoring review intensity to each customer and transaction’s actual risk profile rather than applying rigid, uniform restrictions

Vision & Mission

OSL is the first SFC‑licensed digital asset platform in Hong Kong and a PayFi innovator. Through stablecoin payments, cross-border settlement and global licensing, we are building the next‑generation payments network. Stablecoins have become everyday money across emerging markets and are widely viewed as blockchain's "killer app," with industry focus shifting from token issuance to real‑world consumer and enterprise payment adoption. The strongest growth lies in cross‑border B2B payments, where providers embedding stablecoins into corporate settlement flows can capture significant volume and float. Long‑term defensibility comes from regulatory licences, banking partners and cross‑border corridors.

OSL holds or has acquired licences in Hong Kong, Japan, Australia, Bermuda and Indonesia, and is expanding into Europe, Brazil, Southeast Asia and Africa through acquisitions and licence applications. With OSL Pay and StableX, we embed stablecoin settlement into bank accounts and card networks, support 150+ digital assets, and provide 24/7 fiat‑stablecoin conversion. As a regulated pioneer with a startup mindset, we believe the future of payments will be driven by real adoption and scalable deployment, not technology narratives. We welcome builders who are passionate about crypto and payments to join us in shaping compliant, global payment infrastructure.