AML-FT Analyst

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August 22

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CloudWalk, Inc.

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Fintech • Blockchain • Artificial Intelligence

CloudWalk, Inc. is focused on revolutionizing the payments industry by democratizing financial services and empowering entrepreneurs through innovative solutions. Their mission is to create a fair and technologically advanced payment network on Earth and beyond. Utilizing AI and blockchain, CloudWalk offers products such as InfinitePay, a financial platform serving businesses in Brazil, and JIM, an instant payment system in the US. Stratus, their high-performance blockchain, supports global payment networks. CloudWalk emphasizes customer engagement and disruptive economic models to transform how merchants sell and profit.

201 - 500 employees

💳 Fintech

🤖 Artificial Intelligence

💰 $150M Series C on 2021-11

📋 Description

• AML Policies and Procedures Oversight: Develop, update, and continuously enhance internal AML policies and procedures, aligning them with current regulations in both Brazil and the United States (Bank Secreta​ry Act – BSA, USA PATRIOT Act, OFAC, FinCEN), as well as relevant international standards. Coordinate Know Your Customer (KYC), Know Your Employee (KYE), and Know Your Supplier (KYS) initiatives, ensuring process standardization and data quality. • Transaction Monitoring and Investigation: Conduct ongoing monitoring of financial transactions to identify potential indicators of money laundering, fraud, or terrorist financing, following the requirements of regulatory bodies such as COAF (Brazil) and FinCEN (U.S.).Utilize advanced tools and methodologies (including machine learning and data analysis solutions) to detect anomalies, conduct thorough investigations, and ensure consistent reporting of suspicious activity reports (SARs). • Risk Analysis and Compliance: Assess risks related to new products and services, ensuring that workflows and processes comply with local and international regulatory requirements. Implement and continuously improve internal controls to minimize exposure to money laundering or illicit financing risks, considering the specifics of U.S. (BSA, Patriot Act) and Brazilian (Law No. 9.613/98 and Central Bank regulations) laws. • Regulatory Engagement: Act as the primary point of contact for communications and reports directed to regulatory authorities such as COAF (Brazil) and FinCEN (U.S.). Ensure compliance with all regulatory obligations, including periodic reporting, proper record-keeping, and readiness for audits and inspections in both Brazil and the United States. • Training and Capacity Building: Develop training materials and conduct workshops for internal teams, promoting continuous awareness and education on AML/CTF, considering best practices and regulatory requirements in the U.S. Keep the team updated on new regulations, financial crime trends, and industry best practices (e.g., AI usage, risk-based monitoring, etc.). • Multidisciplinary Collaboration: Work closely with Legal, Internal Audit, Operations, Technology, Product, and Commercial teams, ensuring AML solutions are effective and integrated into each department’s processes. • Strategic Alignment: Maintain constant communication to anticipate potential risks or regulatory adjustments, strengthening the compliance culture across the organization. • Effectiveness and Synergy: Ensure that policies, procedures, and monitoring solutions are tailored to each department’s reality, optimizing irregularity detection and enhancing operational efficiency. • Growth Strategy and Continuous Improvement: Lead initiatives to enhance AML processes, incorporating feedback and new technologies (including AI solutions) to improve efficiency and accuracy in detecting suspicious behaviors. Collaborate with business teams to ensure that expansion and product launch strategies consider compliance requirements, risk management, and specific regulations of the U.S. market.

🎯 Requirements

• Proven Data Analysis Skills: Strong experience in managing and analyzing large volumes of data from diverse sources. Familiarity with SQL and Python is highly valued. • AML Expertise: Solid background in AML/CTF operations, with specific experience in Monitoring, KYC/CDD, KYE, and KYP practices within the fintech sector or related industries. • Communication Skills: Fluent in English with exceptional written and verbal communication skills. • Problem-Solving: Excellent analytical and problem-solving abilities, attentive to detail and the capacity to work under pressure. • Fundamental understanding of prompt engineering: showcasing an ability to effectively interact with and utilize AI technologies. • Knowledge of International Regulations: Familiarity with compliance laws and standards from the U.S. or other relevant markets (e.g., FCPA, EU AML Directives). • Process Automation: Experience optimizing and automating AML routines using scripts or data analysis tools. • Business Intelligence Platforms: Experience with BI solutions (Looker, Power BI, Tableau, Metabase) for creating dashboards and compliance reports. • AI Integration: Hands-on experience with AI tools (e.g., ChatGPT) and machine learning algorithms to enhance the detection of suspicious behaviors and support decision-making.