Principal Product Manager - Compliance / AML / Risk Platform

Coins.ph; Abbeyville (CO); On-site; USD 120,000 - 190,000; Full time

Job summary

Coins.ph in the United States/Colorado seeks a senior Product Manager to own AML/CFT, KYC/KYB, and risk and fraud systems across onboarding and transaction lifecycles.

You will partner with Compliance, MLRO, data science, and engineering to translate regulatory requirements into scalable features, balancing risk with user experience and growth.

Qualifications

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

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).
• Optimize CDD/EDD processes, including document verification, liveness checks, and risk tiering.
• Balance conversion vs compliance (reduce friction without increasing risk).
• Define and implement fraud detection strategies (account takeover, scams, mule accounts).
• Collaborate with data teams to develop rules engines, alerting systems, and case management tools.
• Improve real-time monitoring capabilities for transactions and user behavior.
• Build internal tools for case management, investigation workflows, audits and reporting.
• Integrate with external vendors (KYC providers, blockchain analytics, sanctions lists).
• Cross-functional leadership bridging regulatory requirements and product implementation.

Skills

Product Management

AML/CFT

KYC/KYB

Transaction monitoring

Regulatory translation

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