Head of Enterprise Risk & Compliance (AI-Driven)

Trusting Social; Taguig; Hybrid; PHP 2,000,000 - 4,000,000; Full time

Benefits offered by this job

HMO coverage for employee + 2 depend僅

Hybrid work setup (2 days onsite / 3 w

Onsite lunch

Job summary

Trusting Social Philippines seeks an senior risk leader to own and evolve the Enterprise Risk Management framework across credit, fraud, operational, compliance, and model risk. You will partner with executive leadership, the Board, and regulators to set risk appetite, policies, and reporting that safeguards the balance sheet as the business scales.

You will steer governance, ECL methodologies, and risk analytics while challenging policies and driving guardrails from design through

Qualifications

• 10+ years of experience in financial risk management, with at least 5 years in a senior risk leadership role within a bank, fintech, or regulated lending institution.
• Deep expertise in credit risk, fraud risk, and regulatory compliance within the Philippine financial services sector; BSP regulation familiarity is required
• Proven experience building or strengthening risk governance frameworks from early-stage through regulatory examination
• Experience with credit card, consumer lending, or co-lending products; exposure to AI-driven credit models is a strong plus
• Background in fintech, digital banking, or high-growth financial services; startup or regulated greenfield experience is a strong plus

Responsibilities

• Own the Enterprise Risk Management framework end-to-end—design, implement, and continuously strengthen it across all risk domains
• Define the Company's risk appetite statement, risk tolerance limits, and escalation protocols—making calls without waiting for central approval
• Build and maintain enterprise risk policies, governance committees, and board-level reporting mechanisms
• Ensure proper segregation of duties and full independence of the second-line risk function
• Prepare risk reports for Executive Management, Board Committees, and the Board—synthesizing signals into actionable insight
• Provide independent oversight of underwriting, portfolio management, collections, recoveries, and provisioning frameworks
• Review, challenge, and approve credit policies to ensure alignment with the Company's risk appetite
• Monitor portfolio performance across lending products; act on early signals before they become losses
• Own governance over ECL methodologies, stress testing, and scenario analysis
• Track key risk indicators and drive corrective action grounded in data-informed decisions
• Own the enterprise fraud risk management framework—from prevention through detection, investigation, and response
• Monitor fraud controls across onboarding, authentication, and transaction lifecycles
• Ensure compliance with AML, KYC, sanctions, and financial crime regulations
• Synthesize fraud trends and mitigation strategies; build scalable prevention capabilities
• Lead regulatory interface and ensure audit-ready documentation
• Translate regulatory requirements into internal policies; monitor compliance and flag gaps

Skills

Risk leadership

Credit risk

Regulatory compliance

Board reporting

AI risk

Tools

ERM software

Model risk frameworks

Data analytics

Job description

Trusting Social Philippines seeks an senior risk leader to own and evolve the Enterprise Risk Management framework across credit, fraud, operational, compliance, and model risk. You will partner with executive leadership, the Board, and regulators to set risk appetite, policies, and reporting that safeguards the balance sheet as the business scales.

You will steer governance, ECL methodologies, and risk analytics while challenging policies and driving guardrails from design through