Descrição da Vaga
Key Responsibilities:
• Execute day-to-day Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) operations in full compliance with Brazilian regulatory requirements, including:
◦Conducting Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) in accordance with COAF Resolution No. 28/2021, BACEN regulations, and internal risk-based policies;
◦Monitoring transactional activity across payment platforms to identify suspicious patterns, applying risk-based thresholds and behavioral analytics;
◦Performing PEP and Sanctions screening against local lists (e.g., BACEN, CGU, Federal Police) and international databases (e.g., OFAC, UN, EU), ensuring timely escalation and case resolution;
◦ Preparing, reviewing, and submitting high-quality Suspicious Activity Reports (Comunicados de Operações Suspeitas – COS) to COAF, ensuring completeness, accuracy, and timeliness in line with regulatory expectations;
•Document and maintain comprehensive AML procedures, workflows, and decision rationales, ensuring audit readiness and regulatory alignment;
•Develop and maintain standardized operational playbooks in Portuguese, tailored to the Brazilian payments landscape and localized risk profiles;
•Lead or support the implementation of action plans to address compliance gaps, including defined timelines, resource allocation, and cross-functional coordination with Legal, Compliance, Risk, and Operations teams;
•Collaborate closely with regional and global compliance teams to ensure local AML practices are aligned with group standards while fully respecting Brazil-specific regulatory obligations;
• Stay current with changes in local AML/CFT regulations, enforcement trends, and emerging financial crime risks within the fast-paced payments and fintech environment.
Qualifications:
•3-5 years of handson experience in AML, financial crime compliance, or risk management within the payments, fintech, or financial services industry, with a strong focus on the Brazilian regulatory environment;
• Fluent in both Portuguese (native or near-native proficiency) and English (professional working proficiency) — ability to communicate effectively with local teams and global stakeholders;
•Bachelor’s degree in Business Administration, Law, Accounting, Risk Management, Compliance, or a related field;
• ACAMS (CAMS) or equivalent certification (e.g., CBCP, CAFP) is highly preferred;
•Proven ability to work independently, manage multiple priorities, and operate effectively in a fast-paced, dynamic environment.
Preferred Qualifications:
•Direct experience supporting internal or external audits, regulatory inspections, or remediation initiatives in Brazil;
•Familiarity with digital payment rails (e.g., PIX, TED, DOC, card networks) and associated AML risks;
• Experience in a multinational organization with regional compliance responsibilities.
This role is critical to safeguarding the integrity of our payment operations in Brazil and ensuring compliance with both local and global AML standards. The ideal candidate will combine strong technical AML knowledge with practical experience in the Brazilian payments sector, excellent communication skills, and a proactive, solutions-oriented mindset.
