Risk Associate (Transaction Monitoring)

Job description

We are looking for a **Risk Associate** to join our Brazil team, focused on **Transaction Monitoring**. In this role, you will be the local risk point of contact for the BR market, working hands-on with our shared TRMS platform to detect, investigate, and escalate suspicious activity, while ensuring alignment with Brazilian regulatory requirements. This is a great opportunity for a risk professional with a background in fintech or crypto who wants to operate at the intersection of global risk infrastructure and local regulatory compliance. ### 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.