Legal and Compliance Officer

About the job

Unlimit is a holder of various regulatory permissions in the banking and payment industry in multiple regions, including the EU, the UK, Latin America, Asia, India, Africa. Further to that Unlimit is an active member of worldwide and regional payment card associations, various payment methods and networks.   

As a reflection of our continued growth on the global market, we are hiring a Legal and Compliance Officer (Brazil) to join our team and lead the Legal and Compliance area in Brazil.  

The Legal and Compliance Officer provides diversified in-house legal and compliance services, actionable and proactive coverage and support of the areas. The role involves managing simple and complex legal and compliance matters in connection with Unlimint's Brazil business, and related business interests of Unlimit Group. 

The main responsibility is to ensure comprehensive and ongoing in-house legal and compliance related coverage of Unlimit's business and related interests in Brazil, as well as part of Unlimit Group, and locations where we operate or plan to work in, and in business sectors of our interests. The Legal and Compliance Officer (Brazil) is expected to provide coverage of legal and compliance matters for the Brazil business, and as part of the wider global business. 

To achieve this, your role as Legal and Compliance Officer (Brazil) will involve effectively working as part of a multi-national legal and compliance (regulatory, AML, data protection) teams, establishing performing and managing relevant legal and compliance function processes, working closely with key stakeholders (including operational functions, internal control functions and with C-level on a local and global level) across the Group.

• Manage and provide ongoing legal and regulatory compliance coverage for the Brazil business
• Research and provide actionable advice on legal, regulatory and compliance matters in Brazil, and as part of the wider global business. 
• Provide ongoing coverage for legal, regulatory and compliance matters, business and operational purposes of various significance levels in Brazil, as well as part of wider global business.
• Identify applicable requirements and ensure compliance with them within the prescribed timelines.  
• Handle/participate in various licensing, participation and registration processes with competent authorities (BACEN etc.)
• Draft, prepare, review and negotiate internal documents such as policies, guidelines, frameworks, procedures, manuals, instructions etc. on various matters in accordance with regulatory and internal requirements such as regulatory compliance, AML, data protection, security, governance and others related to the payments and financial industry. Supervise Unlimint Brazil business in their respect.
• Handle participation / membership with local and international payment systems and payment networks and counterparties (Card Schemes such as Mastercard, Visa, Elo and other systems such as PIX etc)
• Contractual review and management of relations with banks, payment systems and payment networks
• Design and handle in-house projects of legal and compliance, and cross-departmental projects (with operational units, control function units and business units). Monitor internal statuses, implementations, provide actionable solutions and systems. Advise on, ensure and monitor due reporting obligations to and communication with competent authorities (including BACEN and government authorities) and counterparties. 
• Draft, prepare, review and negotiate various documents such as agreements, resolutions, applications, forms, questionnaires, resolutions, letters, explanations, etc.
• Draft standardised agreements, templates etc. related to Unlimit's business.
• Manage corporate matters (establishing, recording keeping, updating, performance of necessary filings etc.) in relation to Unlimit Brazil and companies and corporate structure 
• Manage legal matters and projects on diverse topics: including employment and staff matters (preparing, drafting and reviewing various legal agreements, documents, research etc.), legal research, guidance and advice to various functions of the company (operational, internal control functions, HR, Finance etc), 
• business and client related matters, client inquiries, claims and disputes etc. Manage daily legal support, including draft, prepare, review and negotiate various documents such agreements, standard terms and conditions, resolutions, applications, forms, questionnaires, letters, explanations, internal procedures and regulations, etc.
• Participate in and manage specialised matters involving banking and payment sector regulations, technological elements and agreements, data protection, intellectual property (organising, research, drafting and reviewing various legal documents, presentation of solutions to stakeholders and management etc.).
• Negotiate with third parties, communicate with competent authorities, facilitate our business, protect and defend our interests.
• Liaise with and assist other competent internal functions within Unlimint in the performance of their duties.
• Establish and ensure effective collaboration with third parties and external service providers (legal and consulting services providers, auditors, and other counterparties).
• Plan, structure and implement projects, management systems, deals and collaborations. 
• Participate hands-on in local and cross-regional team projects.
• Develop budgets for assigned tasks where necessary.
• Conduct various legal projects and other duties as assigned.
• Be comfortable with handling diverse routine legal work (contract reviews, negotiations with counterparties) and related compliance work (filings, letters and communication with regulatory and competent authorities and various payment networks)
• Ensure that the Brazilian business meets its regulatory requirements and mitigates AML/CTF risks to avoid breaches, fines, and regulatory sanctions.
• Provide advice and assistance to other functions dealing with AML-related matters.
• Respond to external and internal requests regarding AML compliance.
• Conduct staff training on AML/CTF.
• Monitor developments and new trends in the Brazilian and international AML/CTF framework.
• Draft, update, and implement AML/CTF internal documentation.
• Report internally/externally on ML/TF matters.

• University degree in Law.  
• At least 5 years of hands-on diversified & broad legal and compliance experience in Brazil. Broad legal experience in a multinational/global organisation is preferred
• In-house legal and compliance and AML/anti-fraud experience in the payments/banking/financial sector is a must. 
• Experience in Brazil financial regulation is a must - knowledge and experience in payment services regulations, BACEN regulation, including regulation, AML, data protection, consumer protection etc.  
• Comfort to perform both low- & high-level tasks.
• Hands-on experience in commercial law with national and cross-border contracts
• Hands-on experience with employment law and corporate law 
• Legal coverage of local & international projects (including ones that are subject to special regulations)
• Able to deliver effective on-going monitoring, managing, performing and support of legal and compliance areas, projects, agreements and arrangements 
• Self-starter able to work with minimum supervision. Able to work independently, as part of a team and as team lead for projects (including cross-jurisdictional and remote teams) such as licensing, participations in payment networks and arrangements.
• Excellent research and analysis skills. Able to analyse and present complex information clearly and concisely to various stakeholders
• Able to meet deadlines and comfortable with changing requirements and priorities. Confidence in decision-making and managing ambiguity.
• Legal and business-friendly judgment, skilled in building consensus across cross-functional stakeholders and C-level.
• Knowledge & comfort with new technologies and the digital sphere.
• Knowledge of industry standards and (internal and external) auditing procedures
• Ability to interface professionally and effectively with third parties, counterparties, regulators, auditors
• Ability to provide commercially astute risk-based advice and recommendations for business
• Exceptional communication and influencing skills. Ability to present complex and ambiguous information in a clear manner, devising understandable steps and actions in a commercial setting.
• Strong people management and leadership skills, ability to run working groups/projects.
• Excellent time management and organizational skills  
• CAMS or ICA certification is a bonus 
• Excellent English and Portuguese is an absolute must

• Attractive monthly remuneration paid in line with experience
• Vacation, sick, and paid holidays
• Full-time: 5/2 (Saturday and Sunday days off)
• Modern workplace based in  Sao Paolo, Brazil.
• A team of top international professionals to learn from
• Multicultural working environment

Join Unlimit Team now

Unlimit is an equal opportunity employer. We believe passionately that employing a diverse workforce is central to our success. We make recruiting decisions based on your experience and skills. We welcome applications from all members of society irrespective of age, sex, disability, sexual orientation, race, religion or belief.