AML-FT Analyst

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 are expanding our neural network – literally and metaphorically. The Compliance Team helps CloudWalk enable disruptive products and provides the best user experience while meeting regulatory requirements. We are looking for a hands‑on professional passionate about new technologies 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 Brazil and the United States (BSA, USA PATRIOT Act, OFAC, FinCEN), as well as relevant international standards. Coordinate KYC, KYE, and 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. Use 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 workflows and processes comply with local and international regulatory requirements. Implement and continuously improve internal controls to minimize exposure to illicit financing risks, considering U.S. and Brazilian laws. Regulatory Engagement: Act as the primary point of contact for communications and reports to regulatory authorities such as COAF (Brazil) and FinCEN (U.S.). Ensure compliance with all regulatory obligations, including periodic reporting, record‑keeping, and readiness for audits. Training and Capacity Building: Develop training materials and conduct workshops for internal teams, promoting continuous awareness and education on AML/CTF. 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. Effectiveness and Synergy: Ensure 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. What You Need To Succeed Proven Data Analysis Skills: Experience 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/KYC, KYE, and KYP practices within the fintech sector. Communication Skills: Fluent in English with exceptional written and verbal communication skills. Problem‑Solving: Excellent analytical and problem‑solving abilities, attentive to detail and capable of working under pressure. Fundamental understanding of prompt engineering: 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 markets. Process Automation: Experience optimizing and automating AML routines. Business Intelligence Platforms: Experience with BI solutions for creating dashboards and compliance reports. AI Integration: Hands‑on experience with AI tools and machine learning algorithms to enhance detection of suspicious behaviors. The Future We See 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. Seniority level: Not Applicable Employment type: Full‑time Job function: Finance and Sales #J-18808-Ljbffr