Principal Product Manager - Compliance / AML / Risk Platform

Coins.ph; Singapore; On-site; SGD 100,000 - 170,000; Full time

Job summary

Coins.ph is seeking an experienced Product Manager to lead AML/CFT, KYC onboarding, and fraud risk initiatives. You will partner with Compliance and Data teams to translate regulations into scalable product features and risk scoring across the onboarding and transaction lifecycle.

The role emphasizes balancing conversion with risk controls, building internal tooling for case management and investigations, and integrating with external vendors to strengthen sanctions screening and SAR/STR

Qualifications

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

Responsibilities

• Own the AML/CFT, onboarding, and transaction monitoring product roadmap.
• Design risk scoring frameworks across onboarding and lifecycle.
• Collaborate with Compliance to implement regulatory features.
• Build and improve KYC/KYB onboarding flows for individuals and businesses.
• Optimize CDD/EDD, including document verification and live checks.
• Balance user conversion with regulatory risk controls.
• Define fraud detection strategies and build rules engines.
• Develop real-time monitoring and alerting for transactions.
• Create internal tools for case management, investigations, and reporting.
• Coordinate with external vendors for KYC, analytics, and sanctions data.
• Lead cross-functional teams bridging regulatory needs and product delivery.

Skills

Product Management

Fintech/Payments

AML/CFT knowledge

KYC/KYB processes

Transaction monitoring

Regulatory translation

Job description

Responsibilities

• Compliance & AML Platform
  • 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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.