Senior Manager Global Risk Management Enterprise Fraud Risk

• 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.

• 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).

What We Do

Circle (NYSE: CRCL) is a global internet financial platform company powering the foundation of an open borderless and programmable economy. Circle connects financial institutions enterprises and developers to the next generation of the internet financial system through digital assets such as USDC Circle Payments Network for global money movement and Arc an enterprise-grade blockchain designed to become the Economic OS for the internet. Supporting trillions of dollars in economic activity and serving hundreds of millions of users worldwide Circle enables value to move with the speed security and transparency of the internet. Circle is committed to visibility and stability in everything we do. As we grow as an organization we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values: High Integrity Future Forward Multistakeholder Mindful and Driven by Excellence. We have built a flexible work environment where new ideas are encouraged and everyone is a stakeholder.

Why Work With Us

Our employees are treated as people first with a real purpose for being here. Circle has created an environment where people can thrive grow be challenged and constantly build on their career. It's this same environment that draws competitive strength from within our employee base.

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