About CloudWalk:
We’re not just another fintech unicorn. We’re a group of dreamers, builders, and technology enthusiasts creating the future of payments. With millions of customers and a strong drive for innovation, we’re expanding our neural network—both literally and metaphorically.
The Compliance Team helps CloudWalk teams launch disruptive products and services while delivering the best possible user experience that also meets regulatory requirements.
We’re looking for a hands-on professional who’s passionate about new technologies and disruptive products to join our Regulatory team.
Overview: We are seeking a highly skilled and analytical AML Analyst with experience in Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) operations. The ideal candidate will be strong in data analysis and bring a solid background in financial services, preferably within fintech.
What You’ll Be Doing:
- AML Policies and Procedures Oversight: Create, update, and continuously improve internal AML policies and procedures in line with current regulations in both Brazil and the United States (Bank Secrecy Act–BSA, USA PATRIOT Act, OFAC, and FinCEN), as well as relevant international standards. Coordinate Know Your Customer (KYC), Know Your Employee (KYE), and Know Your Supplier (KYS) initiatives, ensuring consistent processes and high-quality data.
- Transaction Monitoring and Investigation: Monitor financial transactions on an ongoing basis to identify potential indicators of money laundering, fraud, or terrorist financing, in accordance with regulatory requirements such as COAF (Brazil) and FinCEN (U.S.). Use advanced tools and methods (including machine learning and data analysis solutions) to detect anomalies, perform detailed investigations, and ensure consistent reporting of suspicious activity reports (SARs).
- Risk Analysis and Compliance: Evaluate risks associated with new products and services, ensuring workflows and processes meet local and international regulatory standards. Establish and continuously strengthen internal controls to reduce exposure to money laundering and illicit financing risks, taking into account both U.S. requirements (BSA, Patriot Act) and Brazilian regulations (Law No. 9.613/98 and Central Bank rules).
- Regulatory Engagement: Serve as the main point of contact for communications and submissions to regulatory bodies such as COAF (Brazil) and FinCEN (U.S.). Ensure compliance with all regulatory duties, including periodic reporting, accurate record-keeping, and readiness for audits and inspections in both Brazil and the United States.
- Training and Capacity Building: Develop training materials and run workshops for internal teams to promote ongoing AML/CTF awareness and education, aligned with best practices and U.S. regulatory expectations. Keep the team up to date on new regulations, financial crime trends, and industry best practices (e.g., AI-based approaches and risk-based monitoring).
- Multidisciplinary Collaboration: Work closely with Legal, Internal Audit, Operations, Technology, Product, and Commercial teams to ensure AML solutions are effective and embedded in each department’s processes.
- Strategic Alignment: Maintain constant communication to anticipate potential risks or regulatory changes, strengthening a compliance-focused culture across the organization.
- Effectiveness and Synergy: Tailor policies, procedures, and monitoring solutions to each department’s needs, improving detection of irregularities and increasing operational efficiency.
- Growth Strategy and Continuous Improvement: Lead initiatives to improve AML processes by incorporating feedback and new technologies (including AI solutions) to boost efficiency and accuracy in identifying suspicious behavior. Partner with business teams to ensure that growth and product launch plans account for compliance requirements, risk management, and specific U.S. market regulations.
What You Need To Succeed:
- Proven Data Analysis Skills: Strong experience handling and analyzing large volumes of data from multiple sources. Knowledge of SQL and Python is highly valued.
- AML Expertise: Solid experience with AML/CTF operations, including specific work in Monitoring, KYC/CDD, KYE, and KYP practices within fintech or related industries.
- Communication Skills: Fluent English with excellent written and verbal communication skills.
- Problem-Solving: Strong analytical and problem-solving skills, strong attention to detail, and the ability to work under pressure.
- Basic understanding of prompt engineering: Demonstrated ability to interact with and effectively use AI technologies.
Nice-to-Have:
- Knowledge of International Regulations: Familiarity with U.S. or other relevant market compliance laws and standards (e.g., FCPA, EU AML Directives).
- Process Automation: Experience improving and automating AML tasks using scripts or data analysis tools.
- Business Intelligence Platforms: Experience with BI tools (Looker, Power BI, Tableau, Metabase) to build dashboards and compliance reports.
- AI Integration: Hands-on experience with AI tools (e.g., ChatGPT) and machine learning models to improve detection of suspicious activity and support decision-making.
The Future We See:
At CloudWalk, we imagine a future where AI helps every field reach new levels of impact:
• People teams using AI to transform talent acquisition and employee development.
• Marketing teams building data-driven, AI-powered campaign strategies.
• Customer Success teams improving client experiences with intelligent solutions.
• Risk analysts combining human expertise with AI to manage complexity.
• Designers partnering with AI to expand creative possibilities.
Join us at CloudWalk, where we’re not only building solutions—we’re creating a smarter, AI-driven future for payments together
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