AML Ops Sr Analytics Analyst

About Nubank

Nubank was founded in 2013 to free people from a bureaucratic, slow and inefficient financial system. Since then, through innovative technology and outstanding customer service, the company has been redefining people's relationships with money across Latin America. With operations in Brazil, Mexico, and Colombia, Nubank is today one of the largest digital banking platforms and technology-leading companies in the world.

Today, Nubank is a global company, with offices in São Paulo (Brazil), Mexico City (Mexico), Buenos Aires (Argentina), Bogotá (Colombia), Durham (United States), and Berlin (Germany). It was founded in 2013 in São Paulo, by Colombian David Vélez, and cofounded by Brazilian Cristina Junqueira and American Edward Wible. For more information, visit www.nu.com.mx.

About the role

Ensure the sustainable Nubank's growth supporting the regulatory operational routines and demands of AML Ops operational routines, challenging the status quo through:

• The best experience to our fanatics and loved clients in the AML Ops process, keeping the highest level of quality for customer data and due diligence applicable accordingly to the regulators and internal policies, keeping the highest level of compliance accordingly to the regulators and internal policies;

• Responsible for executing regulatory operational routines, gap analysis and supporting the operation of AML Alerts generated by the AML transaction monitoring system, to identify suspicious situations, contributing to a more ethical and fair society, truly understanding that it is also a key driving force for the solid growth and development of Nubank and Brazil & Mexico;

Being diligent, flexible and resilient, according to Nu's principles!

In order to achieve that, our Operational Regulatory Solutions Chapter in Mexico - is responsible for protecting Nu against criminal activities and helping stop the laundering of ‘dirty’ money into the Mexican economy, complying with the necessary regulations, and ensuring the continuity of our business.

Typical responsibilities assigned to you might include:

• Be part of the very dynamic and diverse Chapter - Regulatory Solutions, focused on Mexico's AML Ops processes.
• Analyze AML alerts, financial transactions, accounts, and data from our monitoring systems to identify suspicious activities, providing detailed recommendations and sophisticated reporting to relevant authorities (such as the SHCP, CNBV, UIF).
• Provide advice on sanctions and other screening processes such as KYC, EDD, etc.;
• Strengthen the AML Ops team to maintain alignment with our financial institution’s responsibilities and compliance requirements.
• Continuous deploying projects to comply with key policies related to AML Operations scope and its operational routines; 
• Stay current with AML/FT laws and industry standards to ensure ongoing compliance.
• Perform quality reviews to evaluate process deficiencies, analyze control measures, and recommend corrective actions.
• Support metric and KPI monitoring, facilitating effective communication within Nubank teams and ensuring regulatory compliance.
• Build dashboards, creating visualizations and identifying trends and deviations over time using tools like Looker and BigQuery.
• Utilize SQL to write queries that solve complex problems efficiently.
• Generate data-driven insights based on root cause analysis and participate in defining compliance processes to meet varied needs.
• Analyze complex situations, provide guidance, and make timely recommendations.
• Collaborate with engineers, data scientists, and designers to enhance processes and ensure no regulatory gaps exist.
• Participate in the planning and execution of strategy, implementation, monitoring, and achievement of OKRs and operational KPIs.
• Abstract business concepts into quantitative metrics and manage low to medium complexity projects, ensuring timely delivery.
• Create necessary documentation for projects and communicate effectively with stakeholders.
• Prioritize tasks to achieve targets, adjusting in response to changes.
• Possess programming experience with languages such as Python and Scala, and understand database modeling techniques (e.g., Data Mart, Data Lake, Data Warehouse).
• Passionate about new technologies, including AI, and able to design and implement improvement projects.

Qualifications:

You will be succeed if…

You are detail-oriented, diligent, organized and enjoy operational activities 

Have a Bachelor’s Degree in Law, or related;

Have knowledge in regulatory, compliance and/or risk;

You are a proactive, autonomous person and have an interest in creating processes and improving them, but at the same time, understand that there are bureaucracies in the regulatory activities that need to be followed 

You are able to meet deadlines and to be flexible to adapt to changing conditions

You can communicate clearly, succinctly and effectively 

You feel good to be constantly challenged to learn and do more 

You are good with oral and written communication in Spanish and English 

You believe in a more just and ethical society and Nubank's values ​​and culture.

You understand that we can contribute within Nubank to the construction of this society, guaranteeing the application of all the rules and regulatory aspects inherent to the Client's Registration.

It will be a differential if you..

Have a Bachelor’s Degree in Law, Administration, Finance, Economic Sciences  or related;

Have CNBV certification is a plus, or strong experience in AML Regulations;

Have previous experience in monitoring transactional AML alerts for the different banking products (Credit Card, Savings, Remittances, Investments, etc.) and-or in compliance areas in processes related to AML;

Have knowledge of sanctions and KYC processes related to AML;

Have knowledge in sending the suspicious activity reports (SAR, ROI);

Have autonomy to make decisions that impact customers and Nu based on AML policies;

Know the specific regulations of the area and have the responsibility to apply them in their routine;

Have curiosity and willingness to learn;

Have knowledge in Excel, Sheets, Looker, SQL and Python;

Have Banking & Sofipo regulation knowledge;

Have knowledge in CNBV regulation, freezing, unfreezing and transfer money;

Can easily turn numbers into complex strategies and effective actions

Benefits

• Health and life insurance 
• Food card
• 17 days of paid vacation with 25% vacation bonus
• Holiday Bonus ("Aguinaldo") of 30 days of pay per year
• NuCare - Our mental health and wellness assistance program
• NuLanguage - Our language learning program
• Extended maternity and paternity leaves 
• Equity at Nubank

*Interviewing and onboarding are currently done virtually due to COVID-19. Everyone new to the team and our current staff will remain working from home until it is safe to return to our offices. When it’s time, we will require a fixed cadence of visiting the office in which employees go to their Business Unit's (BU) base location. Employees will have an employment contract based on the cities that Nu’s offices are located, considering their country of hire. More details can be shared during your hiring process.