We are not just another Fintech company. We’re on a mission to revolutionize the financial landscape. From innovative banking solutions to cutting-edge digital asset products, we’re transforming how people interact with money.
Working with us will suit those who want to have an impact, who are comfortable getting uncomfortable, willing to take risks and win big. We are brave, laser-focused and have high aptitude, with a little playfulness for good measure. If you’re someone who thrives on high accountability, possesses a start-up spirit, and flair for industry-savvy solutions, you’ll fit right in.
If this resonates with you, you’ll have the opportunity to make a real impact and be part of something that’s changing how we interact with money and wealth.
POSITION OBJECTIVE
We are looking for an experienced Compliance Officer committed to ethics, integrity and regulatory compliance to lead the Corporate Integrity and Compliance Program, including the Prevention of Money Laundering and Terrorist Financing (AML/FTP) functions, integrity risk management, corporate ethics and compliance culture.
This strategic and independent position will support the business, legal, risk and technology areas, ensuring that all the company's operations are in line with Brazilian legislation, especially the rules of the Central Bank of Brazil (BACEN), CVM, COAF, Anti-Corruption Law (Law No. 12,846/2013) and other applicable regulatory frameworks.
As a Payment Institution already authorized by BACEN, the company is in the implementation phase of its governance and operational compliance structure. The professional will be responsible for putting into practice the compliance framework and internal controls required for the start of operations, establishing policies, processes, systems and culture of integrity that ensure regulatory adherence and the sustainability of the business.
Main Responsibilities
1. Compliance and Integrity Program
- Develop, implement, and maintain the Compliance and Integrity Program, based on the guidelines of Decree No. 11,129/2022 and the best governance, ethics, and corporate compliance practices.
- Prepare and update the Code of Ethics and Conduct, Anti-Corruption Policy, Gifts, Gifts and Hospitality Policy, Conflict of Interest Policy and other regulations related to integrity.
- Structure and supervise the Whistleblowing Channel, ensuring anonymity, whistleblower protection, and proper handling of reports based on principles of independence and impartiality.
- Support internal investigations, defining corrective and preventive measures, and monitoring the execution of action plans.
- Promote campaigns and continuous training on ethics, integrity and compliance, stimulating an ethical, light and engaging organizational culture.
2. AML/FTP and Regulatory Compliance
- Act as the MLRO (Money Laundering Reporting Officer) formally designated before BACEN, CVM and COAF, being responsible for direct dialogue with regulators.
- Develop, implement and maintain the Money Laundering and Terrorist Financing Prevention Program, including policies, procedures, systems and internal controls.
- Oversee AML/FTP risk assessment, including new products, channels, customer segments, and international operations.
- Define KYC/DD (Know Your Customer / Due Diligence) policies and procedures and ensure the adherence of systems and processes to Brazilian regulatory requirements.
- Coordinate the integrity due diligence of customers, partners and suppliers, in accordance with integrity and anti-corruption policies.
- Oversee Due Diligence (EDD) processes for high-risk clients and counterparties, including PEPs (Politically Exposed Persons).
- Ensure the effectiveness of national and international sanctions screening controls, blocking, and timely reporting of suspicious transactions.
- Evaluate and monitor the performance of transactional monitoring, treatment and case management systems, ensuring effectiveness and continuous improvement.
- Ensure the timely and accurate submission of Suspicious Transaction Reports (ROS) to COAF and compliance with applicable regulatory obligations.
3. Regulatory Management and Governance
- Be the focal point with regulatory authorities (BACEN, COAF, CVM) and auditing bodies, monitoring inspections, responses to official letters and regulatory interactions.
- Ensure and monitor compliance with the Resolutions applicable to the Payment Institution, including BCB 119/21 and CMN No. 4,595/2017
- Provide executive reports and periodic presentations to the Board and Board on the status of the compliance program, risks and mitigation plans.
- Work closely with the Product and Engineering teams to ensure that new features and platform changes comply with AML/FTP rules by design.
4. Culture, Training, and Ethical Communication
- Implement strategies to strengthen the culture of integrity, promoting ethics as an organizational value.
- Ensure the performance of mandatory training (AML/FTP, Anti-Corruption, Conflict of Interest, Code of Ethics) with indicators of adherence and effectiveness.
- Support senior leadership in incorporating the values of compliance and ethics into strategic decisions.
Requirements
- Bachelor's degree in Law, Administration, Economics, Accounting or related areas.
- A postgraduate degree or MBA in Compliance, Governance, Risks or Integrity will be considered a differential.
- Minimum of 8 years of experience in compliance, corporate integrity or AML/FTP, preferably in the financial sector, fintechs or regulated IPs.
- Deep knowledge of the rules of BACEN, COAF, Law No. 12,846/2013, Decree No. 11,129/2022, and other applicable regulations.
- Experience in managing integrity programs, internal investigations and relationship with regulators.
- Excellent communication, leadership and influence skills, with the ability to dialogue with different levels of the organization.
- Fluency in Portuguese and English (writing and speaking).
- Certifications such as CPC-A, LEC, ACAMS, ICA Diploma will be considered relevant differentials.
Personal Profile
- We are looking for an ethical, collaborative, innovative professional with a sense of purpose — capable of combining technique and empathy, promoting a culture of integrity that inspires and engages people.
Benefits
- Competitive salary and package
