Senior Manager, Global Risk Management – Enterprise Fraud Risk

🕒 January 30

🌵 Arizona, California, +2 more states – Remote

🌵 Arizona – Remote 🏄 California – Remote 🌽 Illinois – Remote ⛷️ Utah – Remote

💵 $172.5k - $222.5k / year

⏰ Full Time

🟠 Senior

🎲 Risk

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Circle

WebsiteLinkedInAll Job Openings

501 - 1000 employees

💳 Fintech

₿ Crypto

🌐 Web 3

Fintech • Crypto • Web 3

Circle is a financial technology company that focuses on utilizing blockchain technology to enable seamless, faster and secure transactions. Their main product, USDC, is a stablecoin designed to provide stability by being fully reserved and redeemable 1:1 for US dollars, and is widely used in global transactions to facilitate cross-border payments, crypto capital markets, and global dollar access. Circle offers an open developer platform that allows businesses to integrate blockchain functionalities such as programmable wallets and smart contracts into their applications. The company is committed to transparency and publishes regular reports on their reserve holdings.

📋 Description

• 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