Staff Product Operations - Regulatory

Nubank•Miami, FL

3d•Hybrid

About The Position

We are building a bold, differentiated product for US: from zero to one. We operate like a startup inside Nu: lean, fast-paced, and obsessed with impact. If you’re excited by end-to-end ownership, novel problems, and a team where everyone rolls up their sleeves, this is your moment. As one of the first members of the Operations team, you will lead the development and implementation of processes and best practices to ensure regulatory compliance, fraud prevention, and investigations, partnering closely with key stakeholders including Engineering, Compliance, Legal, and AML team You will ensure Nubank’s sustainable growth by supporting regulatory demands for AML Ops, KYC, and EDD, all while challenging the status quo.

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.
Proven 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
Previous experience collaborating with global teams.

Nice To Haves

Prior investigations experience in the digital asset, payments, and/or Fintech space is a plus
Have a high degree of ownership. You’re building something new.
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.
Enthusiasm for Artificial Intelligence and coding skills (e.g., SQL, Python, Scala, or similar programming languages) are a plus.
You are able to place yourself in the shoes of a customer. While risk mitigation for Nubank is the most important thing, we also need to consider what a smooth and customer‑delighting experience will look like.
Like the idea of working in a startup within Nu – fast-moving, high-trust, creative, and always up for a challenge.
Are adaptable and can both exist in ambiguity as well as know when to create clarity.

Responsibilities

Minimize and eliminate fraudulent activity at onboarding and throughout the product lifecycle, while ensuring full compliance with regulatory reporting.
Drive Nubank’s sustainable growth by supporting the regulatory demands of AML Ops, KYC, and EDD—all while challenging the status quo through innovative process design.
Work with US Compliance, Regulatory, and Legal experts to design, diagram, and execute processes for:
Capturing relevant information at onboarding to prevent fraudulent applicants from becoming customers. This includes identity validation and structuring the data elements we need to capture for KYC.
Capturing information needed to support AML policies at onboarding.
Sanctions screening at the time of onboarding
Design and execute processes and policies for ongoing monitoring of accounts, including:
Account takeover prevention
Mule account recognition and prevention
Chargebacks and transactional fraud
ACH fraud
Other fraud and security incidents investigations
Strengthen the AML Ops team to be aligned with the responsibilities we have as a financial institution.
Sophisticated reporting to immediately inform money-laundering or terrorism financing activity to the relevant authorities
Analyze AML Alerts, financial transactions, judicial orders, accounts, and data from the alerts generated by the AML transaction monitoring system, to identify suspicious situations and provide detailed recommendations.
Vendor Management (e.g., KYC providers)