Principal Product Manager - Compliance / AML / Risk Platform

Coins.ph; Taguig; Hybrid; PHP 1,200,000 - 2,400,000; Full time

Job summary

Coins.ph is seeking a Product Manager to own AML/CFT, transaction monitoring, sanctions screening, and SAR/STR systems. You will design risk scoring for onboarding and transactions, and work with Compliance to convert BSP/AMLC regulations into scalable features.

You will also shape KYC/KYB onboarding for individuals and businesses, optimize CDD/EDD processes, balance conversion with risk controls, and build fraud detection strategies with data teams.

Qualifications

• 5+ years of Product Management experience, preferably in fintech/payments/crypto.
• Strong understanding of AML/CFT frameworks, KYC/KYB processes, and transaction monitoring.

Responsibilities

• Own the product roadmap for AML/CFT, transaction monitoring, sanctions screening, and SAR/STR systems.
• Design and optimize risk scoring frameworks across onboarding and transaction lifecycle.
• Partner with Compliance to translate BSP/AMLC regulations into scalable product features.
• Build and improve KYC/KYB onboarding flows (individual & business).
• Balance conversion with compliance to reduce friction without increasing risk.
• Define and implement fraud detection strategies and collaborate with data teams to develop rules engines and alerting systems.
• Improve real-time monitoring capabilities for transactions and user behavior.

Skills

Product Management

Regulatory compliance

KYC/KYB processes

Tools

Chainalysis

TRM

Elliptic

Onfido

Sumsub

Jumio

Job description

Responsibilities

• Own the product roadmap for AML/CFT, transaction monitoring, sanctions screening, and suspicious activity reporting (SAR/STR) systems
• Design and optimize risk scoring frameworks across onboarding and transaction lifecycle
• Partner with Compliance to translate BSP / AMLC regulations into scalable product features

KYC & Onboarding

• Build and improve KYC/KYB onboarding flows (individual & business)
• Optimize CDD/EDD processes, including document verification, liveness checks, and risk tiering
• Balance conversion vs compliance (reduce friction without increasing risk)

Anti-Fraud & Risk Control

• Define and implement fraud detection strategies (account takeover, scams, mule accounts, etc.)
• Collaborate with data teams to develop rules engines, alerting systems, and case management tools
• Improve real-time monitoring capabilities for transactions and user behavior

Risk Platform & Tooling

• Build internal tools for:
  • Case management
  • Investigation workflows
  • Audit trails and reporting
• Integrate with external vendors (e.g., KYC providers, blockchain analytics, sanctions lists)

Cross-functional Leadership

• Work closely with:
  • Compliance / MLRO
  • Risk & Fraud Ops
  • Data Science / Analytics
  • Engineering
• Act as the bridge between regulatory requirements and product implementation

Requirements

Must to have

• 5+ years of Product Management experience, preferably in fintech, payments, or crypto
• Strong understanding of:
  • AML / CFT frameworks
  • KYC / KYB processes
  • Transaction monitoring
• Experience building or managing:
  • Risk engines / fraud systems / compliance platforms
• Familiarity with Philippines regulations (BSP / AMLC) or similar regulatory environments
• Ability to translate regulatory requirements into scalable product solutions

Nice to have

• Experience in crypto / blockchain / exchange platforms
• Knowledge of:
  • Fraud typologies (scams, mule accounts, phishing, etc.)
  • Sanctions screening & travel rule
• Experience with tools/vendors like:
  • Chainalysis / TRM / Elliptic
  • Onfido / Sumsub / Jumio
• Background in compliance, risk, or data analytics