Fraud Strategy & Risk Leader

Gotyme Gotyme; Philippines; On-site; PHP 6,000,000 - 10,000,000; Full time

Job summary

GoTyme is seeking a Head of Fraud in the Philippines to lead end-to-end fraud risk management across deposits, cards, lending, and payments. You will shape strategy, oversee analytics, and work with law enforcement to recover funds, while balancing customer experience and regulatory requirements.

The role requires deep expertise in digital banking fraud, strong leadership, and the ability to drive data-driven decisions.

Qualifications

• Bachelor’s degree in Business, Finance, or a related field.
• Extensive experience in fraud risk management within banking or financial services.
• Proven leadership across fraud strategy, investigations, and operations (end-to-end fraud lifecycle).
• Strong understanding of digital banking fraud, payment systems, and Philippine fraud landscape.
• Experience working with law enforcement and fraud recovery processes.
• Demonstrated ability to design and implement fraud policies, controls, and frameworks.
• Strong analytical and data-driven decision-making capability.
• Excellent stakeholder management and communication skills, with the ability to influence senior leadership.

Responsibilities

• Define and evolve the bank’s fraud risk strategy and risk appetite aligned with regulatory expectations and business goals.
• Own fraud risk management across deposits, cards, lending, and payments.
• Lead fraud risk assessments for new products, features, and partnerships.
• Design and implement preventive fraud controls (rules, limits, system safeguards).
• Oversee fraud analytics, reporting, and MO’s for executive and regulatory visibility.
• Drive data-led decision making, including detection rules and model optimization.
• Monitor emerging fraud trends and scam typologies.
• Ensure fraud policies, procedures, and governance frameworks are robust and up to date.
• Lead end-to-end fraud investigations across scams, ATO, card fraud, and mule accounts.
• Oversee case management, documentation, and evidence handling in line with BSP and legal requirements.
• Drive fund recovery efforts with partner banks, payment networks, and stakeholders.
• Build and manage relationships with law enforcement (PNP, NBI) and industry networks.
• Conduct deep forensic and transaction analysis to identify root causes and systemic gaps.
• Translate investigation insights into improvements in fraud controls and strategy.
• Support regulatory inquiries and legal proceedings related to fraud cases.
• Own fraud decisioning frameworks (approve, decline, escalation, block).
• Oversee customer protection actions (blocking, step-up verification, interventions).
• Manage fraud disputes, scam claims, and customer remediation.
• Ensure SLA adherence, quality, and operational consistency.
• Drive automation, tooling, and process optimization for scale and efficiency.
• Balance fraud controls with customer experience, minimizing friction and false positives.
• Build and lead a high-performing, multi-functional fraud organization.
• Establish governance, escalation frameworks, and decision-making structures.
• Partner with Technology, Product, Risk, Compliance, and CX to embed fraud controls.
• Represent fraud in executive forums, risk committees, and regulatory engagements.
• Collaborate with external partners (banks, networks, industry bodies).

Skills

Fraud risk management

Leadership

Investigations

Operations

Data-driven decisions

Stakeholder management

Communication

Education

Bachelor's degree in Business, Finance, or related field

Job description

GoTyme is seeking a Head of Fraud in the Philippines to lead end-to-end fraud risk management across deposits, cards, lending, and payments. You will shape strategy, oversee analytics, and work with law enforcement to recover funds, while balancing customer experience and regulatory requirements.

The role requires deep expertise in digital banking fraud, strong leadership, and the ability to drive data-driven decisions.