About us
We believe that everyone deserves more from their money. More visibility, more control, and more freedom.
Our Mission
In 2015, we set out to deliver just that. Our products have been designed to help our customers get more from their money every day.
What We Do
* Spending: We offer a range of debit cards that can be used in over 200 countries.
* Saving: Our savings accounts offer competitive interest rates and no fees.
* Investing: We provide a platform for investing in stocks, ETFs, and cryptocurrencies.
* Exchanging: Our currency exchange service offers real-time exchange rates with no hidden fees.
* Travelling: We offer travel insurance, visa-free travel, and exclusive airport lounge access.
Financial Crime Prevention
Our Financial Crime team blends regulatory expertise with data-driven thinking to prevent financial crime. In a fast-moving, digital environment, they stay one step ahead by finding smart, scalable ways to prevent financial crime.
We're looking for a Fraud Risk Manager to reinforce our first line of defence (1LoD) FinCrime framework in Brazil and focus on fraud prevention.
Your Role
You'll act as the core fraud risk expert, bringing your senior expertise to secure our operations and design, implement, and oversee effective fraud controls across key local products.
Responsibilities
* Designing and enhancing fraud prevention controls within Brazil's 1LoD framework, ensuring alignment with local BCB regulatory expectations and license requirements.
* Performing detailed fraud risk assessments across products (PIX, credit, cards, and business accounts), identifying control gaps and recommending practical mitigations.
* Leading the development and implementation of fraud prevention strategies, including creating and tuning transaction monitoring rules, leveraging data-driven models, and defining robust response workflows.
* Overseeing major fraud incidents and investigations, supporting containment, recovery, and required regulatory reporting processes.
* Partnering closely with Product and Data Science teams to improve automation, detection efficiency, and case triage logic, challenging the status quo for continuous improvement.
* Monitoring and analysing fraud trends and key performance indicators (KPIs) to produce actionable insights and dashboards for local management and committees.
* Strengthening fraud governance, ensuring clear documentation of risks, controls, and residual exposures to demonstrate control maturity during regulatory engagements.
Requirements
To succeed in this role, you'll need:
* 5+ years of experience in fraud risk management, prevention, detection, or Investigations within a financial institution or fintech.
* A deep understanding of fraud typologies, detection models, and control frameworks across payment and credit products (PIX, cards, credit).
* Solid knowledge of local (BCB) FinCrime and fraud regulations and reporting obligations.
* Hands-on experience creating, tuning, and validating fraud detection rules and working with model performance metrics.
* Experience leading complex investigations end-to-end, identifying control weaknesses, and proposing remediation.
* The ability to navigate ambiguity, connect data to risk impact, and design pragmatic, scalable solutions.
* A proven ability to partner with Product, Data Science, and Compliance teams to implement risk controls effectively.
* Great communication skills to relay complex fraud and regulatory topics clearly to both technical and non-technical audiences.
Preferred Qualifications
* Proficiency in using analytical tools (e.g., SQL, Python, Looker).
* Confidence in presenting risk insights, fraud trends, and remediation updates.
* An interest in developing junior team members as the function scales.
Diversity and Inclusion
We value diversity and inclusion at all levels of our organisation. We encourage applications from people with diverse backgrounds and experiences.
Important Notice
Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles:
* Only apply through official channels.
* Always double-check the emails you receive.
* We won't ask for payment or personal financial information during the hiring process.
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