Compliance Officer

Role Overview

• Develop, maintain and continuously improve the company’s compliance framework, policies and procedures to ensure adherence to applicable Brazilian laws and regulations, internal standards, and market best practices.
• Oversee the AML/CFT program: customer due diligence (CDD/KYC), enhanced due diligence (EDD), ongoing transaction monitoring, identification of suspicious activity and reporting to the Financial Intelligence Unit (Unidade de Inteligência Financeira
• UIF/COAF).
• Manage sanctions screening oversight and politically exposed persons (PEP) controls in accordance with national and international lists.
• Conduct enterprise-wide compliance risk assessments; identify regulatory risks specific to leasing, secured lending and other retail/wholesale finance products; propose and implement mitigation measures.
• Ensure compliance with data protection (LGPD) requirements in customer onboarding, processing, and storage of personal data.
• Prepare, submit and follow up on regulatory filings and disclosures to the Central Bank of Brazil (Banco Central do Brasil
• BCB), UIF and other supervisory bodies; act as primary liaison during regulatory examinations, audits, and inspections.
• Deliver compliance training and awareness programs for employees, including front-line staff and sales teams.
• Monitor regulatory developments and advise business and senior management on required actions.
• Support product launches and business initiatives by providing compliance review and sign-off (pre-launch compliance checks).
• Oversee transaction and account reviews, internal investigations and remediation plans; manage remediation processes and implementation of corrective actions.
• Maintain and report key compliance metrics and dashboards to senior management and the Board/Compliance Committee.
• Coordinate with internal audit and external advisors on compliance audits and independent testing.
• Manage third-party compliance risk assessments and due diligence for vendors, brokers and service providers.

Requirements

• Bachelor's degree in Law, Finance, Business Administration, Economics, or a related field.
• Advanced degree or professional compliance certification desirable (e.g., CAMS, CRCM, CCEP).
• Compliance experience in financial services, preferably within banking or credit institutions, with exposure across multiple LATAM jurisdictions and direct experience with regulated leasing/loan products.
• Demonstrated knowledge of the Brazilian regulatory framework for financial institutions (Banco Central do Brasil rules, UIF/COAF requirements, Anti‑Money Laundering Law, Anti‑Corruption Law, LGPD).
• Demonstrated knowledge of Latin American regulatory environments (outside Brazil) and practical experience implementing compliance programs in at least two LATAM countries.
• Proven track record in AML/CFT programs, KYC processes, transaction monitoring, sanctions and PEP screening cycles, and STR filing.
• Experience managing regulatory relationships, preparing regulatory reports, executing remediations and responding to examinations and inquiries.
• Ability to collaborate with legal, risk, operations, product and IT teams; strong project management skills.
• Familiarity with compliance monitoring tools, transaction monitoring systems, screening platforms and regulatory reporting systems.
• Fluent in English and Portuguese.

Benefits

• Health & Wellbeing: We provide team members and their loved ones with a comprehensive suite of benefits that supports their physical, financial and emotional wellbeing.
• Personal & Professional Development: We invest in your career through programs designed to help you reach your goals — whether you want to become a subject‑matter expert or apply your skills to another division.
• Unconditional Inclusion: We are unconditionally inclusive in the way we work and celebrate individual uniqueness. We value diverse backgrounds and provide flexibility to balance work and personal needs. We make bold moves together and strive to be a force for good.