Risk Associate (Transaction Monitoring)

Key Responsibilities • Monitor and review flagged transactions on the shared TRMS platform, applying BR-specific risk context and regulatory knowledge.

• Investigate alerts generated by automated rules, assess their risk level, and make disposition decisions (escalate, close, or action).

• Collaborate closely with the PH-based TRMS team to communicate local risk patterns, provide feedback on rule effectiveness, and request tuning adjustments relevant to the Brazilian market.

• Prepare and file regulatory reports in accordance with COAF (Conselho de Controle de Atividades Financeiras) and other applicable Brazilian AML/CFT frameworks.

• Identify emerging fraud typologies and transaction patterns specific to the Brazilian market and document findings for the global risk team.

• Support the development and refinement of local risk policies and procedures, ensuring they align with both global standards and Brazilian regulatory requirements.

• Act as the first line of escalation for the BR operations team on transaction-related risk queries.

• Participate in periodic risk reviews, audits, and regulatory exams as needed.

Requirements Experience

• 2–4 years of experience in a risk, compliance, AML, or fraud operations role within fintech, crypto, banking, or payments.

• Hands-on experience working with transaction monitoring systems or similar risk tooling.

• Familiarity with the Brazilian regulatory landscape, including COAF reporting obligations, BACEN guidelines, and AML/CFT regulations applicable to payment institutions and crypto exchanges.

Skills

• Strong analytical skills — able to investigate complex transaction chains and identify patterns of risk.

• Comfort working with data; ability to query or interpret transaction data reports (SQL is a plus).

• Excellent written communication skills in Portuguese; working proficiency in English is required for cross-team collaboration with the global TRMS team.

• Ability to work independently and manage priorities in a remote setting across time zones.

Nice to Have

• Experience working in or with cryptocurrency exchanges or digital asset platforms.

• Exposure to shared or cross-functional risk systems across multi-country operations.

• Certifications such as CAMS, CFE, or equivalent.