Head of Fraud and Risk

About Us

First Circle is one of the fastest-growing FinTech companies in the country, providing financial services to under-served SMEs. We've already transformed access to credit for thousands of businesses, and now we're building a full-stack neobank offering multi-currency bank accounts, payments, FX, corporate credit cards, and payroll. As we enter this next phase of growth, we're hiring exceptional talent with a track record of excellence to join us in shaping the next chapter.

We are hiring for a Head of Fraud and Risk to lead strategy and execution across all these domains. You are familiar with the risk landscape for fintechs, you can spot problems before they arise, and you can design and implement the very solutions that protect us against them. At First Circle, you will work closely with product, engineering, operations, legal and compliance, and executive leadership to build a highly resilient business — while supporting our continued growth. 

First Circle is changing financial services for small businesses in the Philippines. The sky is the limit for someone who wants to get stuck in and make a difference.

Responsibilities

• Fraud: Own the end-to-end fraud strategy including detection, investigation, and recovery. Oversee transaction monitoring, ATO prevention, and fraud modes relevant to the Philippine market (e.g. SIM swaps, document fraud, mule accounts).
• Risk Management: Work closely with compliance and internal audit to identify and understand our biggest risks. Partner with product, engineering and operations teams to implement solutions to protect against those risks. Where relevant you will also work closely with our engineering head of cybersecurity on data privacy and security.
• The role will be located in the Philippines and will report to Executive Leadership. Relocation and sponsorship will be considered.

Requirements

• 3+ years of experience across fraud and risk, in a tech company.
• In an ideal case, you will have worked for a fintech company and you are familiar with the risk and regulatory landscape for non-bank financial institutions. You don’t need to have direct experience with the Philippines regulatory landscape specifically, but it is an added bonus if you do.
• Ability to work cross-functionally . Experience partnering with engineering, product, operations and compliance teams. 
• Strong problem-solving and analytical skills. Ideally has experience with data and analytics tools (e.g. SQL, Python).
• This is an individual contributor role to start with, with the opportunity to build out a small team in the future. We are looking for someone who is comfortable doing a lot of the work themselves, not just directing others.
• Ability to roll up your sleeves and get things done . You are not just a layer of oversight - you are used to actually implementing solutions to solve critical problems. You will be expected to be hands-on, in the details, and executing to high standards.

Benefits

• Join a team with a deeply collaborative culture! Learn more here:
• Hybrid work set-up: at least 2 days per week in our BGC (central Manila) office; your choice to work in office or remote the rest of the time.
• Benefits: HMO coverage from week one, life and accidental insurance, free catered lunches, monthly fitness, transportation, and accommodation allowance, and more.

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