Risk Management Officer

We are a start-up BSP-licensed EMI and VASP company on a mission to revolutionize digital finance in the Philippines. Our vision is bold: to lead the way in providing secure, compliant, and transparent financial services powered by the latest in fintech innovation.

We are not just building an e-wallet We are crafting a next-generation digital payment ecosystem that is reliable, efficient, and inclusive for every Filipino You will not only be part of introducing Cryptocurrencies to the common Filipino, but you will also be the bridge that connect millions of Filipinos to the benefits of Blockchain technology.

As we scale our impact, we are on the hunt for like-minded individuals who share the same passion and interest.

This role is open to eager individuals who have an interest in the world of finance and the blockchain. For this role, we are looking for people with experience handling risk-related issues or risk management practices. What's important for us is a highly aware candidate towards risks that considers all possibilities in any aspect and would be able to relay this professionally.

• Attentive listener and effective communicator – You ask the right questions and absorb feedback fast. You have the ability to translate complex ideas into clear messages.
• Analytical Thinker – You ask "Why" and "What's next?" then connect the dots that others usually miss and turn data into defensible decisions.
• Problem Solver – You can break down problems with clarity and precision by looking at the bigger picture. You have the capability to make smart decisions based on facts and not based on gut feelings.
• Team Collaborator – You share ideas, listen well, and know when to lead and when to support because you value the time of others.
• Quick Adaptability – You stay updated and agile in the face of regulatory or operational changes.
• Excellent Reading Comprehension – You rapidly absorb training, regulatory updates and internal communications while keeping ahead of change.
• Any degree in Risk Management, Finance, Economics, Business Administration, Mathematics, Social Sciences or a related field is a plus.
• With professional experience in a risk-related function within financial services, EMI/VASP, banking, insurance, or a highly regulated sector such as healthcare or telecommunications.
• Proven experience or willing to learn in conducting enterprise risk assessments, designing risk mitigation plans, and engaging with regulatory bodies.
• Strong interpersonal and leadership skills with experience managing cross-functional teams.
• Excellent written and verbal communication skills, with the ability to present complex risk scenarios to both technical and non-technical stakeholders.
• Experience in writing policies and procedures is valued, though not required.
• It is a plus to have knowledge or experience of AMLA, BSP Circulars, and FATF guidelines.
• Applicants must be legally authorized to work in the Philippines without employer visa sponsorship.

Minimum Qualifications: Enterprise Risk Management (ERM)

• Participate in identifying, assessing, verifying, and monitoring the Company's potential risks across financial, operational, compliance, IT/cybersecurity, liquidity, market, and strategic areas.
• Develop and recommend risk mitigation strategies, ensuring alignment with the Company's overall risk appetite and BSP regulations.
• Prepare comprehensive risk assessment reports, including Key Risk Indicators (KRIs), stress testing results, and recommended improvements.
• Facilitate the regular reporting of risk exposures and breaches to Senior Management, the Board of Directors, and the Risk Oversight Committee.

Business Continuity Management (BCM)

• Ensure all business activities, digital asset operations, and technology platforms are incorporated in the Business Continuity Plan (BCP) and Disaster Recovery Plans (DRP).
• Conduct and update Business Impact Analyses (BIA) to determine Recovery Time Objectives (RTO) and Recovery Point Objectives (RPO) in line with BSP Circular 808 (IT Risk Management) and other guidelines.
• Organize periodic BCP/DRP testing, tabletop exercises, and post-mortem reviews to strengthen operational resilience.
• Monitor vendor and third-party risk management to ensure outsourced service providers comply with continuity and resilience standards.

Regulatory & Compliance Alignment

• Ensure compliance with BSP Circulars (989, 1108, 1122, 808, 1160/1166) and integrate risk management requirements into internal policies and procedures.
• Ensure compliance with the Liquidity standards from the BSP and the BASEL Framework.
• Collaborate with the AML Compliance Officer to address overlapping risk areas, including fraud, money laundering/terrorist financing risk, and outsourcing risks.
• Support BSP examinations and audits by maintaining updated risk management documentation, policies, and frameworks.

Governance & Reporting

• Provide independent advice and recommendations on risk exposures and mitigation to the Board and Risk Oversight Committee.
• Develop and maintain the Company's Risk Management Framework (RMF), policies, and risk appetite statements.
• Deliver quarterly and ad hoc risk management reports to management and regulators as required.

Other Duties

• Collaborate with other departments (Operations, Compliance, Audit, Technology, Treasury) for risk identification, monitoring, and mitigation.
• Maintain proper documentation of risk assessments, controls, and corrective action plans.
• Promote a risk-aware culture across the organization through training and awareness programs.
• Perform related duties as may be required by Management or the Board.

WIBS PHP INC., a leading financial technology company operating as an EMI (Electronic Money Issuer) and VASP (Virtual Asset Service Provider) in the Philippines, is seeking passionate and innovative individuals to join our dynamic team. As part of a rapidly growing industry at the forefront of digital finance, you will have the opportunity to work on cutting-edge projects that shape the future of financial services. Our mission is to empower people with seamless, secure, and scalable financial solutions. If you are eager to make an impact, work in a fast-paced environment, and be part of the digital revolution, we encourage you to apply and grow with us