We are democratizing the payments industry in Brazil, by empowering entrepreneurs through technological, inclusive, and life-changing solutions. Based in Brazil, CloudWalk is a high-end global payment network built on modern technology and proprietary blockchain, focused in bringing a revolution to the payment ecosystem for small and medium-sized businesses. As a unicorn, the company has provided its customers with more than R$ 1 billion in savings by charging fair fees on its transactions and is now present in more than 300.000 businesses across 5.000 brazilian cities. With investors such as the Valor Capital Group, HIVE Ventures and Coatue, the company has already raised US$ 365.5 million in investments and R$3.4 billion in FDICs for anticipation of receivables in its network of financial solutions. In 2022, it was the only brazilian fintech to be featured in the "The Retail Tech 100" ranking by CB Insights, on the "Protection Solutions for Payments and Frauds".

About CloudWalk:

We are not just another fintech unicorn. We are a pack of dreamers, makers, and tech enthusiasts building the future of payments. With millions of happy customers and a hunger for innovation, we're now expanding our neural network - literally and metaphorically.

The Compliance Team is responsible for helping CloudWalk teams enable disruptive products and services and also provide the best user experience that meets regulatory issues.

We are looking for a hands-on professional, 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 adept at data analysis, with a strong background in financial services, preferably fintech.

What You'll Be Doing:

AML Policies and Procedures Oversight: Develop, update, and continuously enhance internal AML policies and procedures, aligning them with current regulations in both Brazil and the United States (Bank Secrecy Act – BSA, USA PATRIOT Act, OFAC, FinCEN), as well as relevant international standards. Coordinate Know Your Customer (KYC), Know Your Employee (KYE), and Know Your Supplier (KYS) initiatives, ensuring process standardization and data quality.

Transaction Monitoring and Investigation: Conduct ongoing monitoring of financial transactions to identify potential indicators of money laundering, fraud, or terrorist financing, following the requirements of regulatory bodies such as COAF (Brazil) and FinCEN (U.S.).Utilize advanced tools and methodologies (including machine learning and data analysis solutions) to detect anomalies, conduct thorough investigations, and ensure consistent reporting of suspicious activity reports (SARs).

Risk Analysis and Compliance: Assess risks related to new products and services, ensuring that workflows and processes comply with local and international regulatory requirements. Implement and continuously improve internal controls to minimize exposure to money laundering or illicit financing risks, considering the specifics of U.S. (BSA, Patriot Act) and Brazilian (Law No. 9.613/98 and Central Bank regulations) laws.

Regulatory Engagement: Act as the primary point of contact for communications and reports directed to regulatory authorities such as COAF (Brazil) and FinCEN (U.S.). Ensure compliance with all regulatory obligations, including periodic reporting, proper record-keeping, and readiness for audits and inspections in both Brazil and the United States.

Training and Capacity Building: Develop training materials and conduct workshops for internal teams, promoting continuous awareness and education on AML/CTF, considering best practices and regulatory requirements in the U.S. Keep the team updated on new regulations, financial crime trends, and industry best practices (e.g., AI usage, risk-based monitoring, etc.).

Multidisciplinary Collaboration: Work closely with Legal, Internal Audit, Operations, Technology, Product, and Commercial teams, ensuring AML solutions are effective and integrated into each department’s processes.

Strategic Alignment: Maintain constant communication to anticipate potential risks or regulatory adjustments, strengthening the compliance culture across the organization.

Effectiveness and Synergy: Ensure that policies, procedures, and monitoring solutions are tailored to each department’s reality, optimizing irregularity detection and enhancing operational efficiency.

Growth Strategy and Continuous Improvement: Lead initiatives to enhance AML processes, incorporating feedback and new technologies (including AI solutions) to improve efficiency and accuracy in detecting suspicious behaviors. Collaborate with business teams to ensure that expansion and product launch strategies consider compliance requirements, risk management, and specific regulations of the U.S. market.

What You Need To Succeed:

Proven Data Analysis Skills: Strong experience in managing and analyzing large volumes of data from diverse sources. Familiarity with SQL and Python is highly valued.

AML Expertise: Solid background in AML/CTF operations, with specific experience in Monitoring, KYC/CDD, KYE, and KYP practices within the fintech sector or related industries.

Communication Skills: Fluent in English with exceptional written and verbal communication skills.

Problem-Solving: Excellent analytical and problem-solving abilities, attentive to detail and the capacity to work under pressure.

Fundamental understanding of prompt engineering: showcasing an ability to effectively interact with and utilize AI technologies.

Nice-to-Have:

Knowledge of International Regulations: Familiarity with compliance laws and standards from the U.S. or other relevant markets (e.g., FCPA, EU AML Directives).

Process Automation: Experience optimizing and automating AML routines using scripts or data analysis tools.

Business Intelligence Platforms: Experience with BI solutions (Looker, Power BI, Tableau, Metabase) for creating dashboards and compliance reports.

AI Integration: Hands-on experience with AI tools (e.g., ChatGPT) and machine learning algorithms to enhance the detection of suspicious behaviors and support decision-making.

The Future We See:

At CloudWalk, we envision a future where AI empowers every field to reach new heights:

• People teams leveraging AI to transform talent acquisition and employee development.

• Marketing professionals creating data-driven, AI-powered campaign strategies.

• Customer Success teams enhancing client experiences with intelligent solutions.

• Risk analysts combining human expertise with AI to navigate complexities.

• Designers collaborating with AI to push creative boundaries.

Join us at CloudWalk, where we’re not just engineering solutions; we’re building a smarter, AI-driven future for payments—together.

AML-FT Analyst

Job description

Required profile

Experience

Hard Skills

Other Skills

Related jobs

Flutter mobile developer

Email Marketing Specialist - 0412 - Manila, Philippines

Senior Compliance Officer (Apprenticeships)

Localization Project Manager

Project Coordinator