Fraud and Risk Manager

About Us

First Circle is an SME-focused, credit-centric, and multi-product NeoBank in SE Asia which is fast-growing (>100%), profitable, and internationalising soon.

We started life as an SME lender in the Philippines in 2016 to solve the SME credit gap by using technology to systemise underwriting, deliver exceptional UX, and automate away delivery costs. We’ve delivered our clients the fastest, cheapest, most flexible credit line available to businesses anywhere in Southeast Asia. We’ve been rewarded with both fast growth and exceptional unit economics, a rare combination in our space.

Over the past two years we’ve expanded our product range to include business bank accounts & payments, e-Invoices, corporate credit cards, rooftop solar, and most recently deposits catalysed by securing a full bank charter in the Philippines. In 2027, we’ll expand our geographical coverage to include at least two new markets in APAC.

Our track record and our future both result from our people & culture. We combine high standards & intensity with a collegiate environment. Our barometers of success are the rate of personal growth of our people, how long high performers choose to stay, and ensuring we we raise the bar with every hire.

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 operational 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: https://www.firstcircle.ph/careers
• 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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