About the team:The US FinCrime team, a component of Nu's Global FinCrime Risk Department, is dedicated to the prevention of Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) and sanctions violations. Its core mission is to manage the US AML/CFT and Sanctions program, ensuring regulatory adherence. This includes assessing the execution of related activities and promoting the standardization and efficiency of policies, processes, and systems.
As a team, our mission is to continuously develop the global management of money laundering, terrorist financing and sanctions-prevention risks, strengthening organizational culture, policies and internal controls, preventing reputational and legal risks, and ensuring Nubank's sustainable international growth.
You will be responsible forIn your role as an AML & OFAC Specialist within the AML Governance team, you will assess internal control efficacy and oversee systems supporting our AML/CFT and Sanctions program. Adhering to BSA and OFAC guidelines, your primary responsibilities will include:
Key Responsibilities:- Provide advisory to the 1LOD and various internal stakeholders on the adherence to the AML/CFT/ OFAC program requirements, FinCEN directives and internal policies and procedures.
- Assist with updating governing documentation and procedures to guarantee the AML/sanctions program remains accurate, effective, and regulatory defensible.
- Perform risk-based quality control and quality assurance testing of existing AML and Sanctions controls, documenting conclusions, communicating control weaknesses or gaps and tracking of corrective actions until closure.
- Conduct scheduled and ad hoc testing of scenario thresholds, sanctions match logic, and detection rules, customer risk rating calibrations and updates, including above-the-line (ATL) and below-the-line (BTL) testing, and any model updates as needed. Work with internal and external stakeholders as needed.
- Perform routine monitoring of transaction monitoring tools, sanctions screening filters, validating the proper updates were made to ensure control effectiveness. Perform BSA operational tasks as needed during testing activities.
- Assist with the implementation of a new transaction monitoring system by assisting with the calibration of rules and procedures and conducting second level review of AML alerts as needed.
- Support the AML Governance and Quality Control specialist by maintaining accurate, up-to-date model documentation and testing records.
- Assist with AML and sanctions review of vendor assessments.
- Data Quality & Reconciliation: Execute data reconciliation checks between core banking systems and compliance applications, document exceptions, and assist with root-cause analysis.
- Reporting & Documentation: Maintain audit-ready test logs, evidence repositories, and performance dashboards for management and regulatory review.
- Cross-Functional Collaboration: Partner with AML analytics, 1LOD teams, Compliance, and external vendors to facilitate system updates, support audits, and implement continuous process improvements.
- Contribute to the development of the monitoring and testing plan, including any Global Program requirements.
- Ad Hoc Support: Assist with ad hoc requests and tasks from the Partner Bank and other projects assigned by management including international efforts.
We are looking for a person who hasQualifications & Skills- A Bachelor's, Master's, or Law degree is required in a discipline such as Business Administration, Accounting, Economics, Engineering, Finance, Information Technology, or a Risk Management-related field.
- Minimum of 5 years of professional experience, ideally within AML, Sanctions, Business analytics, Risk Management, or other control functions.
- Prior experience in monitoring/testing or quality control roles in AML, Audit or Risk.
- Prior AML and or KYC investigations experience in the digital asset, payments, and/or Fintech space.
- Previous experience collaborating with global teams.
Key Skills:- Strong analytical, problem-solving, and critical thinking abilities, with the capacity to translate complex technical data into actionable business insights.
- Excellent communication and interpersonal skills, enabling effective engagement with stakeholders across various teams and seniority levels.
- Fluency in Portuguese and/or Spanish is a plus.
- Enthusiasm for Artificial Intelligence and coding skills (e.g., SQL, Python, Scala, or similar programming languages) are a plus.
- Willingness to relocate to Miami, FL
Benefits- Opportunity of earning equity at Nu
- Medical Insurance
- Dental and Vision Insurance
- Life Insurance and AD&D
- Extended maternity and paternity leaves
- Nucleo - Our learning platform of courses
- NuLanguage - Our language learning program
- NuCare - Our mental health and wellness assistance program
- Extended maternity and paternity leaves
- 401K
- Saving Plans - Health Saving Account and Flexible Spending Account
- Work-from-home Allowance
- Relocation Assistance Package, if applicable.
Location[Miami, USA]
Work modelHybrid
Office requirement2 days per week at the office.
Our recruitment process may involve the use of artificial intelligence-enabled tools, such as automated interview transcription and analysis, to support the evaluation process. Artificial intelligence is not used to make final hiring decisions; all decisions are made by human reviewers.
