Risk Expert Job Description
This is a senior-level position that involves developing and implementing comprehensive risk management frameworks across the organization.
* Develop, implement, and maintain a comprehensive enterprise risk management framework covering credit, market, liquidity, operational, and technology risks.
* Conduct prudential and capital risk assessments, including stress testing, scenario analysis, capital adequacy evaluations, and other regulatory-mandated reviews.
* Prepare, validate, and support all regulatory disclosures required of financial institutions and virtual asset service providers (VASPs).
Marginal Risk Oversight
* Lead the governance and oversight of margin-account operations, including establishing risk policies for margin lending and virtual asset collateral.
* Define and periodically review maximum LTV ratios and haircut methodologies.
* Monitor collateral valuation, capital add-ons, and counterparty exposures.
* Ensure adherence to client and institutional exposure limits, capital buffers, and net-worth thresholds.
* Continuously monitor key risk indicators (KRIs) across business functions and escalate breaches or deviations to senior management and the Board with clear remediation plans.
* Operate as an independent second-line function, maintaining objectivity from commercial and trading activities while collaborating closely with Compliance, Finance, Operations, and Technology.
* Engage with internal/external auditors, regulatory bodies, and governance committees on matters related to risk management, capital adequacy, and prudential standards.
* Promote a strong risk-aware culture by supporting ongoing training, communication, and enhancements to risk methodologies, models, and documentation.
Requirements
* Must be legally residing in Brazil.
* Minimum 7 years of senior-level experience in financial or prudential risk management, preferably within banks, fintechs, or crypto/virtual asset firms.
* Demonstrated independence from commercial functions and proven capability operating as a second-line or independent control function.
* Strong command of Central Bank of Brazil risk regulations, prudential rules, capital adequacy requirements, and VASP reporting obligations.
* Expertise in market and liquidity risk frameworks, stress testing, scenario modeling, and margin-account governance involving virtual assets.
* Bachelor's degree in Finance, Economics, Risk Management, or a related field; postgraduate qualifications are strongly preferred.
* Exceptional analytical skills, strong quantitative capabilities, excellent communication, and full professional fluency in Portuguese and English.
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Bonus Qualifications:
* Excellent knowledge of compliance, regulation, and legal environment in finance industry.
* Deep understanding of central bank regulations.