AML Ops Analyst

About the role

Ensure the sustainable Nubank's growth supporting the regulatory demands of AML Ops operations routines, challenging the status quo through:

• The best experience to our fanatics and loved clients in the AML Ops process, keeping the highest level of quality for customer data and due diligence applicable accordingly to the regulators and internal policies;
• Analyzing the transactional AML Alerts generated by the AML transaction monitoring system, to identify suspicious situations, contributing to a more ethical and fair society, truly understanding that it is also a key driving force for the solid growth and development of Nubank and Brazil & Mexico;

Being diligent, flexible and resilient, according to Nu's principles!

In order to achieve that, our Operational Squad - AML Ops - is responsible for protecting Nu against criminal activities and helping stop the laundering of ‘dirty’ money into the Mexican economy, complying with the necessary regulations, and ensuring the continuity of our business.

What does a Regulatory Solutions analyst for AML Ops do…

• Analyze AML Alerts, financial transactions, accounts, and data from the alerts generated by the AML transaction monitoring system, to identify suspicious situations and provide detailed recommendations (Report to UIF, Cancel, etc.)
• Prepare all the investigation files to escalate it to the AML Forum (Comité de Comunicación y Control).
• 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 (SHCP, CNBV, UIF, etc.).
• Perform quality reviews, evaluate process deficiencies, analyze control measures, enhance reporting capabilities and recommend corrective actions while satisfying regulatory requirements.
• Conduct thorough investigations in order to detect risky customers by evaluating the customers’ risk profiles and processing them accordingly (enhanced due diligence, customer due diligence, etc.).
• Provide advice on sanctions and other screening processes such as KYC. 
• Collaborate with cross-functional areas (including legal, compliance, and risk management, among others)  to minimize money-laundering risks to the business
• Support the discard operation in binding lists.
• Apply FIU typologies.
• Involvement in the implementation of the regulatory framework that will contribute to Nu Mexico's growth plan.
• Stay current with AML/FT laws, regulations, and industry standards to ensure our practices remain compliant.

Qualifications:

You will be succeed if…

You are detail-oriented, diligent, organized and enjoy operational activities. 

You have excellent reporting skills, particularly for regulatory reporting.

You are a proactive, autonomous person and have an interest in owning your operational routines and creating processes and improving them, but at the same time, understand that there are bureaucracies in the regulatory activities that need to be followed. 

You are able to meet deadlines and to be flexible to adapt to changing conditions.

You can communicate clearly, succinctly and effectively. 

You feel good to be constantly challenged to learn and do more. 

You are good with oral and written communication in Spanish and/or English. 

You believe in a more just and ethical society and Nubank's values ​​and culture.

You have a strong sense of integrity and responsibility handling sensitive information.

You understand that we can contribute within Nubank to the construction of this society, guaranteeing the application of all the rules and regulatory aspects inherent to the Client's Registration.

You can easily turn numbers into complex strategies, proposals and effective action plans.

It will be a differential if you..

Have a Bachelor’s Degree in Law, Administration, Finance, Economic Sciences  or related;

Have CNBV certification is a plus, or strong experience in AML Regulations;

Have previous experience in monitoring transactional AML alerts for the different banking products (Credit Card, Savings, Remittances, Investments, etc.) and-or in compliance areas in processes related to AML;

Have knowledge of sanctions and KYC processes related to AML;

Have knowledge in sending the suspicious activity reports (SAR, ROI);

Have autonomy to make decisions that impact customers and Nu based on AML policies;

Know the specific regulations of the area and have the responsibility to apply them in their routine;

Have curiosity and willingness to learn;

Have knowledge in Excel, Sheets, Looker, SQL and Python;

Have Banking & Sofipo regulation knowledge;

Have knowledge in CNBV regulation, freezing, unfreezing and transfer money;