Define and execute Circle’s global fraud risk strategy, aligned with enterprise risk appetite, regulatory standards, and local licensing requirements (e.g., money transmission, e-money, payment services, and virtual asset regulations)
Develop and maintain the enterprise fraud risk framework, policies, and controls, covering threats such as synthetic identity fraud, account takeovers, authorized push payment fraud, internal misconduct, social engineering, scams, and emerging typologies (e.g., deepfakes, AI-driven impersonation, mule networks)
Lead the design and maintenance of Circle’s documented Fraud Risk Management Program, addressing both internal and external fraud consistent with Circle’s regulatory obligations across jurisdictions
Lead or partner with relevant stakeholders (e.g., Compliance, Legal, Finance, Talent, Security) to investigate suspected or actual internal wrongdoing, ensuring timely incident reporting to the NYDFS, or other regulatory requirements and maintenance of complete records for regulator review
Oversee or support investigations into suspected or actual internal or external fraud, escalation protocols, and retention of comprehensive case documentation in line with regulatory expectations
Oversee a comprehensive fraud risk management program that demonstrates compliance with regulatory expectations, including those from FinCEN, OCC, FCA, MAS, AMF, ACPR, and other key global regulators
Lead fraud analytics and oversee detection systems and AI-driven tools to identify emerging patterns while minimizing false positives and customer friction
Ensure fraud risk management is embedded across Circle’s control environment, including financial crime compliance (AML/CTF), cybersecurity, product risk, and operational resilience programs
Conduct fraud risk assessments across products, customer segments, channels, and geographies, ensuring risks are identified, mitigated, and reported to senior management and regulators where required
Define and monitor key fraud metrics (KPIs and KRIs) to assess performance, support enterprise risk reporting, and evidence compliance with ongoing regulatory obligations
Serve as a key liaison with regulators, law enforcement, and industry partners, representing Circle in fraud-related matters and ensuring Circle meets its regulatory disclosure, escalation, and remediation duties
Ensure the fraud program remains dynamic and continuously evolving, with regular effectiveness reviews, testing, and updates to reflect emerging threats, operational changes, and evolving regulatory expectations globally
Drive continuous improvement through root-cause analysis of incidents, technology innovation, and process optimization.

Requirements

10+ years of experience in fraud risk management in fintech, payments, banking, or financial services
Strong understanding of fraud threats, including synthetic identities, deepfakes, account takeovers, scams, and transaction fraud
Proven experience managing fraud risk under global regulatory frameworks (e.g., U.S. AML Act, FinCEN guidance, PSD2, MiCA, UK Fraud Act, MAS PSN01, FATF standards)
Hands-on experience with fraud detection systems, data analytics, and AI/ML-driven risk solutions
Demonstrated ability to assess risks, design controls, and deliver enterprise-level reporting aligned to regulatory expectations
Strong cross-functional collaboration skills with the ability to influence senior stakeholders in Risk, Compliance, Legal, and Technology
Excellent communication skills—able to translate complex risk and regulatory concepts for diverse audiences
Bachelor’s degree in Business, Finance, Risk, or related field (advanced degree or certifications such as CFE, CAMS, or ACAMS preferred).

Benefits

Health insurance
401(k) matching
Flexible work hours
Paid time off
Remote work options

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

fraud risk managementfraud detection systemsdata analyticsAI-driven risk solutionsfraud risk assessmentsdesign controlsenterprise-level reportingregulatory complianceroot-cause analysisprocess optimization

Soft Skills

cross-functional collaborationinfluencing senior stakeholdersexcellent communicationtranslating complex conceptscontinuous improvementleadershipstrategic thinkingproblem-solvinganalytical thinkingstakeholder engagement

Certifications

CFECAMSACAMS