AML & OFAC Specialist | USA

The US FinCrime team, a component of Nu’s Global FinCrime Risk Department, is dedicated to the prevention of Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) and sanctions violations. In your role as an AML & OFAC Specialist within the AML Governance team, you will assess internal control efficacy and oversee systems supporting our AML/CFT and Sanctions program. Adhering to BSA and OFAC guidelines, your primary responsibilities will include:

Responsibilities

Provide advisory to the 1LOD and various internal stakeholders on the adherence to the AML/CFT/OFAC program requirements, FinCEN directives and internal policies and procedures; Assist with updating governing documentation and procedures to guarantee the AML/sanctions program remains accurate, effective, and regulatory defensible; Perform risk-based quality control and quality assurance testing of existing AML and Sanctions controls, documenting conclusions, communicating control weaknesses or gaps and tracking corrective actions until closure; Conduct scheduled and ad hoc testing of scenario thresholds, sanctions match logic, detection rules, customer risk rating calibrations and updates, including above-the-line (ATL) and below-the-line (BTL) testing, and any model updates as needed; Perform routine monitoring of transaction monitoring tools and sanctions screening filters, validating the proper updates were made to ensure control effectiveness; Assist with the implementation of a new transaction monitoring system by assisting with the calibration of rules and procedures and conducting second level review of AML alerts as needed; Support the AML Governance and Quality Control specialist by maintaining accurate, up-to-date model documentation and testing records; Assist with AML and sanctions review of vendor assessments; Execute data reconciliation checks between core banking systems and compliance applications, document exceptions, and assist with root-cause analysis; Maintain audit-ready test logs, evidence repositories, and performance dashboards for management and regulatory review; Partner with AML analytics, 1LOD teams, Compliance, and external vendors to facilitate system updates, support audits, and implement continuous process improvements; Contribute to the development of the monitoring and testing plan, including any Global Program requirements; Assist with ad hoc requests and tasks from the Partner Bank and other projects assigned by management including international efforts

Requirements

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 5 years of professional experience, ideally within AML, Sanctions, Business analytics, Risk Management, or other control functions; Prior experience in monitoring/testing or quality control roles in AML, Audit or Risk; Prior AML and or KYC investigations experience in the digital asset, payments, and/or Fintech space; 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; Willingness to relocate to Miami, FL

Nice to have

Fluency in Portuguese and/or Spanish; Enthusiasm for Artificial Intelligence and coding skills (e.g., SQL, Python, Scala, or similar programming languages)

Benefits

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; NuLanguage - Our language learning program; 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