Senior Regulatory Analyst
São Paulo
Risk & Compliance – Compliance /
Full Time - remote /
Remote
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're now expanding our neural network - literally and metaphorically.
At CloudWalk, compliance is not just about adhering to regulations — it’s about enabling innovation. Our Compliance Team plays a critical role in empowering our teams to build and launch disruptive products and services, while ensuring a seamless user experience aligned with regulatory frameworks.
We’re Looking For a hands-on, technically inclined compliance professional who is passionate about emerging technologies and innovative financial solutions. In this role, you’ll be deeply embedded within our product teams, working side by side to anticipate regulatory challenges, lead compliance strategies, and support the development of cutting-edge financial products.
What You'll Be Doing:
- Act on the regulatory front for SCFI (Credit, Financing, and Investment Company) and Open Finance initiatives, ensuring compliance with Central Bank of Brazil (BACEN) regulations and established phases, standards, and timelines.
- Collaborate in the regulatory transition process to a Type 3 Conglomerate, participating in institutional restructuring strategies and operational alignment with financial institution requirements.
- Support the execution and monitoring of Regulatory Compliance Adjustment Plans, ensuring obligations, deadlines, and capital requirements are properly met according to COSIF standards.
- Work cross-functionally with Product, Engineering, Technology, Finance, Legal, Risk, and Compliance teams to adapt policies, develop compliant solutions, and align operational flows with regulatory requirements.
- Monitor and interpret regulatory updates from BACEN and other supervisory bodies, providing strategic guidance on topics including Zetta, payments landscape evolution, and financial data-sharing initiatives.
- Serve as the main point of contact with external entities such as the Central Bank, Open Finance Governance Structure, and industry forums, positioning the organization in regulatory and technical discussions.
- Implement internal controls, governance practices, and reporting routines, including risk management frameworks and data governance policies within the Open Finance context.
- Identify compliance gaps and regulatory risks, supporting the development and execution of corrective action plans while promoting a culture of compliance and continuous improvement.
- Ensure regulatory compliance in new product and feature development, providing strategic input and maintaining relationships with key industry stakeholders.
What You Need To Succeed:
- A university degree in a related field and a strong passion for financial regulation.
- Experience in Payment Institutions, financial institutions, and Type 3 conglomerates.
- Fluency in Portuguese and advanced English, enabling you to navigate international regulatory environments with ease.
- Strong technical knowledge, allowing you to effectively bridge compliance, technology, and innovation.
- Experience with COSIF standards applicable to Type 3 conglomerates is required.
- Experience applying artificial intelligence to compliance workflows.
- Having participated in the authorization processes of financial institutions is a plus (but not mandatory).
The Future We See:
At CloudWalk, we envision a future where AI empowers every field to reach new heights:
• 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.
By applying for this position, your data will be processed as per CloudWalk's Privacy Policy that you can read here in Portuguese and here in English.
