Head of Fraud

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands-on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the Role

The Head of Fraud is responsible for defining and executing the bank’s end-to-end fraud risk management strategy to protect customers and the business while enabling growth.

This role provides leadership across three core pillars:**Fraud Strategy & Intelligence, Fraud Forensics & Investigations, and Fraud Operations **, ensuring a cohesive and data-driven approach to fraud prevention, detection, response, and recovery across all products and channels.

The role balances fraud risk mitigation with customer experience, ensures compliance with BSP and regulatory expectations, and drives strong collaboration across Technology, Product, Risk, and Operations.

• Define and evolve the bank’s fraud risk strategy and risk appetite aligned with regulatory expectations and business goals
• Own fraud risk management across deposits, cards, lending, and payments
• Lead fraud risk assessments for new products, features, and partnerships
• Design and implement preventive fraud controls (rules, limits, system safeguards)
• Oversee fraud analytics, reporting, and MO’s for executive and regulatory visibility
• Drive data-led decision making, including detection rules and model optimization
• Monitor emerging fraud trends and scam typologies
• Ensure fraud policies, procedures, and governance frameworks are robust and up to date
• Lead end-to-end fraud investigations across scams, ATO, card fraud, and mule accounts
• Oversee case management, documentation, and evidence handling in line with BSP and legal requirements
• Drive fund recovery efforts with partner banks, payment networks, and stakeholders
• Build and manage relationships with law enforcement (PNP, NBI) and industry networks
• Conduct deep forensic and transaction analysis to identify root causes and systemic gaps
• Translate investigation insights into improvements in fraud controls and strategy
• Support regulatory inquiries and legal proceedings related to fraud cases
• Own fraud decisioning frameworks (approve, decline, escalate, block)
• Oversee customer protection actions (blocking, step-up verification, interventions)
• Manage fraud disputes, scam claims, and customer remediation
• Ensure SLA adherence, quality, and operational consistency
• Drive automation, tooling, and process optimization for scale and efficiency
• Balance fraud controls with customer experience, minimizing friction and false positives
• Build and lead a high-performing, multi-functional fraud organization
• Establish governance, escalation frameworks, and decision-making structures
• Partner with Technology, Product, Risk, Compliance, and CX to embed fraud controls
• Represent fraud in executive forums, risk committees, and regulatory engagements
• Collaborate with external partners (banks, networks, industry bodies)

Requirements

• Bachelor’s degree in Business, Finance, or a related field
• Extensive experience in fraud risk management within banking or financial services
• Proven leadership across fraud strategy, investigations, and operations (end-to-end fraud lifecycle)
• Strong understanding of digital banking fraud, payment systems, and Philippine fraud landscape
• Experience working with law enforcement and fraud recovery processes
• Demonstrated ability to design and implement fraud policies, controls, and frameworks
• Strong analytical and data-driven decision-making capability
• Excellent stakeholder management and communication skills, with the ability to influence senior leadership