Staff Product Operations

Nubank•Miami, FL

2d•Hybrid

About The Position

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 one of the largest digital banking platforms and leading technology 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). For more information, visit https://international.nubank.com.br/careers/ About the Role: 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.
Previous experience collaborating with global teams.
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.
You are able to place yourself in the shoes of a customer.
Are adaptable and can both exist in ambiguity as well as know when to create clarity.

Nice To Haves

Prior management experience is preferred
Prior investigations experience in the digital asset, payments, and/or Fintech space is a plus
Enthusiasm for Artificial Intelligence and coding skills (e.g., SQL, Python, Scala, or similar programming languages)

Responsibilities

Your primary objective will be to minimize and eliminate fraudulent activity at onboarding and throughout the product lifecycle, while ensuring full compliance with regulatory reporting.
You will also be responsible for driving 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)