Senior Manager, Global Risk Management, Enterprise Fraud Risk

Overview

Circle (NYSE: CRCL) is one of the world’s leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Circle’s platform includes the world’s largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet.

Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at

Circle is committed to visibility and stability in everything we do. As we grow as an organization, we are 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.

As part of the Global Risk Management (GRM) team, you will play a key role in protecting Circle from internal and external fraud risk. You will own Circle’s fraud risk management program, oversee fraud analytics and detection capabilities, and partner across functions to ensure fraud risk is proactively managed in line with regulatory obligations, enterprise risk appetite, and Circle’s global footprint.

You will be accountable for ensuring Circle’s fraud risk program meets applicable regulatory and licensing obligations, including maintaining documentation, investigative rigor, and timely regulatory reporting.

• 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…