Senior Manager, Global Risk Management, Enterprise Fraud Risk

Circle (NYSE: CRCL) is one of the worlds leading internet financial platform companies building the foundation of a more open global economy through digital assets payment applications and programmable blockchain infrastructure. Circles platform includes the worlds 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 .

What youll be part of:

Circle is committed to visibility and stability in everything we do. As we grow as an organization were expanding into some of the worlds 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.

What youll be responsible for:

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 Circles 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 Circles global footprint. You will be accountable for ensuring Circles fraud risk program meets applicable regulatory and licensing obligations including maintaining documentation investigative rigor and timely regulatory reporting.

What youll work on:

• Define and execute Circles 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 Circles documented Fraud Risk Management Program addressing both internal and external fraud consistent with Circles 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 Circles 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.

What youll bring to Circle:

• 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 skillsable to translate complex risk and regulatory concepts for diverse audiences.

• Bachelors degree in Business Finance Risk or related field (advanced degree or certifications such as CFE CAMS or ACAMS preferred).

Circle is on a mission to create an inclusive financial future with transparency at our core. We consider a wide variety of elements when crafting our compensation ranges and total compensation packages.

Starting pay is determined by various factors including but not limited to: relevant experience skill set qualifications and other business and organizational needs. Please note that compensation ranges may differ for candidates in other locations.

We are an equal opportunity employer. We do not discriminate on the basis of race religion color national origin gender sexual orientation age marital status veteran status or disability status or any other protected status required by the laws in the locations where we hire. Additionally Circle participates in the E-Verify Program in certain locations as required by law.

Should you require accommodations or assistance in our interview process because of a disability please reach out tofor support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.

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