AML Compliance Analyst

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Develop and oversee the Compliance program for the Brazilian operations.

• Ensure compliance with BACEN regulations and standards (Central Bank of Brazil).

• Engage in AML/CTF, KYC, CDD processes, and related due diligence activities.

• Monitor transactions to detect unusual movements or patterns.

• Perform risk assessments prior to launching new products, features, and processes.

• Collaborate with Product, Technology, and Operations teams to integrate regulatory requirements from the design phase of solutions.

• Draft, review, and keep Compliance policies, procedures, and internal controls up-to-date.

• Track regulatory changes in the Brazilian financial market and suggest necessary adjustments.

• Manage obligations related to COAF (Brazilian Financial Intelligence Unit), including pertinent analyses and reporting.

• Ensure compliance with LGPD in processes and products (Brazilian Data Protection Law).

• Monitor regulatory requirements linked to correspondent banking.

• Evaluate regulatory, legal, financial, and reputational risks.

• Assist with audits, inspections, and requests from regulatory authorities.

• Prepare reports and recommendations to facilitate decision-making.

⛳️ Requirements

• Demonstrated experience in Compliance within the financial industry.

• Background in banks, fintechs, financial institutions, or BaaS (Banking-as-a-Service).

• Comprehensive understanding of BACEN regulations relevant to the Brazilian financial and fintech sectors.

• Experience in AML/CTF, KYC, and CDD processes.

• Knowledge of LGPD as it pertains to the financial sector.

• Familiarity with regulations concerning correspondent banking.

• Understanding of obligations and processes related to COAF.

• Capability to interpret regulations and convert them into processes and internal controls.

• Strong analytical skills and effective risk assessment capabilities.

• Basic proficiency in Spanish, able to understand and communicate with the hiring company.

• Preferred: Law degree and bar admission (registered lawyer).

• Preferred: Regulatory Compliance experience in fintechs and BaaS operations.

• Preferred: Experience with transaction monitoring and rule engines (CaaS).

• Preferred: Knowledge of SCR – Credit Information System of BACEN.

• Preferred: Basic knowledge of Excel/BI and SQL.

• Preferred: Experience or knowledge in credit products.

🏝️ Benefits

• Remote work.

• CLT employment (formal employment contract under Brazilian labor law).