About UR
UR is the account layer for the open economy — the regulated infrastructure that lets wallets, developers, and financial platforms give their users a real financial account through one API.
The digital asset economy has wallets. It doesn't have accounts. UR built them.
We combine a personal IBAN, seven on-chain currencies, SEPA and SWIFT rails, Mastercard, and built-in compliance into six modular building blocks — so partners can integrate in days, not years. Where traditional finance stops at the border and digital assets stop at the wallet, UR connects both: identity, money, rules, and data, all composable, all programmable.
240,000+ accounts live. $1.2B+ in deposits. Partners across four continents. A 50-person team spanning 18+ countries, building from Zurich under one of the world's most rigorous regulatory frameworks.
We're moving fast, building in public, and driven by the conviction that open financial rails should be as usable as they are powerful.
The Role
We are seeking a Financial Risk Operation Manager in Singapore to lead the strategy and operation of our unified risk control program. You will be the functional architect of our Risk Control System (RCS), bridging the gap between high-level risk policy and technical implementation.
You will work directly with our engineering team to design, build, and operate a world-class risk engine. This role requires a deep understanding of traditional banking risk—specifically surrounding Swiss IBANs, Mastercard issuing, and Forex—and the ability to translate that knowledge into automated, scalable workflows.
Responsibilities
- Serve as the primary functional lead for the internal Risk Control System (RCS). You will define the logic, rules, and triggers for fiat transactions, card usage, and forex activities.
- Lead the end-to-end lifecycle of risk activities, including real-time monitoring, deep-dive investigations, and executing decisive actions (e.g., account blocks, fund freezes, and Enhanced Due Diligence).
- Design and iterate on risk policies and SOPs that meet international banking standards while maintaining a seamless user experience.
- Act as the primary stakeholder for the Risk Dev team. You will translate operational requirements and risk patterns into clear technical specifications for the development of automated risk tools.
- Investigate transaction data to identify emerging fraud typologies, money laundering risks, or unusual market activities, ensuring the system evolves ahead of potential threats.
What We're Looking For
- 6+ years of experience in Financial Risk, Fraud Operations, or Transaction Monitoring within a bank, payment service provider (PSP), or major fintech.
- Deep proficiency in Mastercard/Visa scheme rules, SWIFT/SEPA payment rails, and the risk nuances of high-velocity Forex operations.
- Strong ability to define functional requirements for technical teams. You must be able to design automated "if/then" risk logic that developers can implement effectively.
- Native or professional-level fluency in Mandarin and English (written and verbal). This is essential for coordinating with our global technical hubs and regional stakeholders.
- Proven track record of handling high-stakes risk investigations and making clear, data-backed decisions on user activity and fund security.
- Location - Based in Singapore.
Bonus Points If You…
- Experience building or scaling a risk function from the ground up.
- Strong understanding of global AML/CFT frameworks and regulatory standards (e.g., FINMA, MAS).
If you think you have valuable experience to bring to the organization, but don’t necessarily meet all of the criteria for the role, we still want to hear from you. We consider all applications.
