AML Senior Specialist

Nu is one of the largest digital financial platforms in the world, with more than 122 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. Visit our institutional page  /careers/

The US Fin Crime team, a component of Nu’s Global Fin Crime Risk Department, is dedicated to the prevention of Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) and sanctions violations. Its core mission is to manage the US AML/CFT and Sanctions program, ensuring regulatory adherence. This includes assessing the execution of related activities and promoting the standardization and efficiency of policies, processes, and systems.

As a team, our mission is to continuously develop the global management of money laundering, terrorist financing and sanctions‑prevention risks, strengthening organizational culture, policies and internal controls, preventing reputational and legal risks, and ensuring Nubank’s sustainable international growth.

You will be responsible for

• Manage the governance of the BSA/AML/OFAC policies and procedures for the US, ensuring updates align with Partner Bank requirements, and ensure the adherence to the AML/CFT Global Program.
• Stay current on changes in regulatory guidance and regulations, particularly those concerning the Genius Act and the digital asset environment.
• Manage inbound information requests (RFIs) from stakeholders, including those related to law enforcement subpoenas, 314(a), 314(b), audit, and regulatory matters. Serve as the main contact with the BSA Operations team.
• Support various stakeholders (including 1
  
  LOD, third-party vendors, and Legal) in understanding BSA program requirements.
• Collaborate with 1
  
  LOD to evaluate new products, services, and market segments. Outline AML and Sanctions risks, define necessary controls, and elevate concerns to the BSA Officer and Risk management promptly.
• Support the management on key risk indicators (KRIs) and performance metrics, identifying trends and areas for improvement.
• Annual Risk Assessment:
  Assist in the annual BSA, AML, and OFAC risk assessment, coordinating information with various stakeholders.
• Monitoring and Testing:
  Contribute to the development of the monitoring and testing plan, including any Global Program requirements.
• Ad Hoc Support:
  Assist with ad hoc requests and tasks from the Partner Bank and other projects assigned by management including international efforts.

We are looking for a person who has

• A Bachelor's, Master's, or Law degree is required in a discipline such as Business Administration, Accounting, Economics, Engineering, Finance, Information Technology, or a Risk Management-related field.
• Minimum of 7 years of professional experience, ideally within AML, Sanctions, Risk Management, or other control functions.
• Prior experience in monitoring/testing or quality control roles in AML, Audit or Risk.
• Prior management experience is preferred
• Prior investigations experience in the digital asset, payments, and/or Fintech space is a plus
• Previous experience collaborating with global teams.

• Strong analytical, problem-solving, and critical thinking abilities, with the capacity to translate complex technical data into actionable business insights.
• Excellent communication and interpersonal skills, enabling effective engagement with stakeholders across various teams and seniority levels.
• Fluency in Portuguese and/or Spanish is a plus.
• Enthusiasm for Artificial Intelligence and coding skills (e.g., SQL, Python, Scala, or similar programming languages) are a plus.
• Willingness to relocate to Miami, FL

• Opportunity of earning equity at Nu
• Medical Insurance
• Dental and Vision Insurance
• Life Insurance and AD&D
• Extended maternity and paternity leaves
• Nucleo - Our learning platform of courses
• NuCare - Our mental health and wellness assistance program
• 401K
• Saving Plans - Health Saving Account and Flexible Spending Account
• Work-from-home Allowance
• Relocation Assistance Package, if applicable.