AML & Regulatory Sr. Analyst (Brazil Focus)

Há 2 dias

Americana, São Paulo, Brasil Reap Tempo inteiro R$90.000 - R$120.000 por ano
About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services, from issuing Visa cards to facilitating cross-border payments.

Backed by leading investors including Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.

Job Summary:

The Regulatory Sr. Analyst will be responsible for leading REAP's regulatory compliance strategy in Brazil, with a strong focus on credit card issuing operations and virtual asset service provider (VASP) activities. The role ensures compliance with applicable regulation for payment institutions, card issuers, crypto services, AML/CFT, and data protection. It involves regulatory analysis, engagement with key regulators/entities (Central Bank of Brazil, Receita Federal, COAF, ANPD), coordination with external counsel, and collaboration with global teams. The position also provides support in audits, partnerships, policies, and operational compliance, enabling REAP's sustainable growth in Brazil while mitigating regulatory and operational risks.

Key Responsibilities:

Develop and maintain compliance frameworks aligned with Brazil's regulatory environment for payment institutions, card issuers, VASPs, and AML/CFT.

Ensure compliance with credit card issuing operations, including card scheme rules, fraud prevention, chargeback handling, and consumer protection.

Oversee compliance in VASP activities, including licensing processes, AML/CFT obligations, reporting, and monitoring of crypto-related transactions.

Monitor and implement requirements related to AML/CFT, tax reporting, governance, and operational compliance under current regulation.

Ensure full compliance with LGPD (Brazilian Data Protection Law), including privacy governance, international data transfers, and data subject rights.

Liaise with external law firms and advisors to support regulatory, AML, card network, and data protection matters.

Collaborate with global teams (legal, finance, operations, risk) to align local compliance with corporate standards.

Support B2B onboarding processes, including KYC, due diligence, monitoring, and data handling under LGPD.

Prepare and manage regulatory filings and reporting to the Central Bank of Brazil, Receita Federal, COAF, ANPD and others.

Deliver training programs on Compliance, AML, card compliance, and LGPD for employees.

Provide operational compliance support when needed (e.g., exception handling in KYC, card fraud escalations).

Qualifications and Requirements:

Bachelor's degree in Law, Business Administration, Economics, Accounting, or related field; postgraduate specialization in compliance, financial regulation, or data protection is a plus.

5+ years of experience in compliance or regulatory roles within fintech, payment institutions, card issuers, or banking.

Strong knowledge of:

Credit card issuing and card scheme compliance (Visa, Mastercard, PCI DSS).

Payment institution and VASP regulatory frameworks in Brazil.

AML/CFT practices and supervisory expectations.

LGPD (Brazilian Data Protection Law), including international data transfers.

Proven experience with authorization and licensing processes with the Central Bank of Brazil.

Strong track record of working with external law firms and managing cross-border compliance topics.

Fluent English is required; Spanish is a strong plus.

Demonstrated ability in audit management, policy drafting, and regulatory engagement.

Skills and Competencies:

Expertise in regulatory compliance, card issuing, AML/CFT, and data protection.

Strong project management skills for compliance initiatives.

Familiarity with compliance, reporting, and monitoring tools.

Excellent stakeholder management and ability to work across global teams.

Strategic mindset to balance innovation, operations, and compliance in a dynamic fintech environment.

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