Compliance Officer - Brazil

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the infrastructure to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

As our Compliance Officer, you’ll own the local compliance program in Brazil, ensuring adherence to both local and international standards. You’ll monitor regulatory changes, manage investigations, and act as the key liaison with regulators, auditors, and banking partners.

This is a hands-on role: you’ll lead KYC/AML investigations, oversee suspicious activity reporting, and collaborate with risk, operations, and product teams to embed compliance into everyday processes.

• Investigations: Review KYC alerts, biometric mismatches, and potential fraud using Receita Federal, SERPRO, and KYC tools (Jumio, Persona).

• Regulatory Reporting: Prepare and submit COS filings to COAF, maintain CCS reports, and support other regulatory obligations (e.g., SISBAJUD).

• Transaction Monitoring: Assess suspicious activities across PIX, TED/DOC, and interoperable wallets; escalate financial crime risks.

• Sanctions & Screening: Monitor PEP, sanctions, adverse media alerts, and review limit increase requests in line with COAF and Banco Central do Brasil requirements.

• Process Improvement: Enhance monitoring and reporting controls to detect and mitigate emerging threats.

• Compliance Culture: Work with internal teams to strengthen AML/CFT controls and align with Banco Central directives and COAF guidelines.

• Stakeholder Management: Serve as the main point of contact with regulators, auditors, and banking partners, ensuring clarity and transparency.

• Fluency in Portuguese & English.

• Proven experience with COAF regulatory reporting (COS, CCS, SISBAJUD).

• Strong knowledge of AML/CFT frameworks, Banco Central Circular 3978, PIX-related fraud, FATF standards.

• Experience in audits, inspections, and risk assessments with Banco Central and COAF.

• Expertise in KYC controls (IDs, biometrics, SERPRO, sanctions, adverse media).

• Confidence engaging with regulators and external authorities.

• Hands-on, detail-oriented, and proactive mindset.

• AML/compliance certifications (e.g., CAMS, ICA).

• Regional LATAM compliance experience.

• Knowledge of fintech, PIX, TED/DOC, and digital wallets.

• Understanding of digital assets regulation (COAF, FATF).

• Experience building or scaling compliance programs.

• Competitive Salary

• Performance bonus based on KPIs

• Equity options

• Paid annual leave & healthcare

• Latest tools & technology

• Collaborative, high-growth fintech environment