The Role
As an Operational Risk Analyst, you'll identify and mitigate risks, develop AI models for fraud detection, and automate risk management processes while ensuring compliance with BACEN regulations.
Summary Generated by Built In
At CloudWalk, operational excellence is key to building a trusted and scalable financial ecosystem.
As an Operational Risk Analyst, you’ll join a high-performing team driving the evolution of our Operational Risk Management Framework in full compliance with BACEN regulations — including Res. BCB nº 265/2022, Res. CMN nº 4.557/2017, and related standards.
You’ll help us identify, assess, and mitigate operational risks across the company — with a strong focus on fraud management, technology risk, and AI-driven automation.
Working cross-functionally with Data Science, Fraud Prevention, and Engineering, you’ll design, validate, and automate models and processes that strengthen resilience and make CloudWalk even smarter.
If you’re passionate about blending data, risk, and automation to make operations safer and more efficient, this role is for you.
What You'll be Doing:
- Design, implement, and maintain the Operational Risk Management Framework in line with BACEN regulations.
- Identify, assess, and monitor operational risk exposures, especially in fraud and IT-related processes.
- Develop and validate AI/ML models for fraud detection, anomaly identification, and operational risk quantification.
- Build and maintain AI agents to automate operational risk workflows — such as loss event tracking, KRI monitoring, and incident reporting.
- Establish and monitor Key Risk Indicators (KRIs) and Risk and Control Self-Assessments (RCSAs) for ongoing risk tracking.
- Collaborate with Data Science, Engineering, and Compliance teams to embed risk controls into product and process design.
- Conduct scenario analyses and stress tests to evaluate operational resilience and inform management decisions.
- Prepare clear and insightful risk reports and dashboards for senior management and regulatory audiences.
What You’ll Need to Succeed:
- Strong knowledge of BACEN operational risk regulations (Res. BCB 265/2022, Res.4.557/2017, Circ.3.978/2020, and related standards).
- Deep understanding of the payments ecosystem, including acquirer, sub-acquirer, and issuer operations.
- Proven experience in fraud prevention and detection across the full fraud lifecycle — onboarding, monitoring, disputes, and recovery.
- Expertise in developing and validating machine learning (ML) and AI models for fraud and risk management.
- Programming and data analysis proficiency (Python, SQL, R) for scenario simulation, model validation, and automation.
- Ability to design and deploy AI agents to automate risk management workflows.
- Knowledge of IT and cybersecurity risk frameworks (NIST, COBIT, ISO 27001) and integration into operational risk practices.
- Experience managing KRIs, RCSAs, and risk dashboards for management and regulatory reporting.
- Analytical and critical thinker with the ability to translate data into actionable insights.
- Hands-on and execution-oriented, capable of independently implementing and iterating solutions quickly.
- Automation-driven mindset, always seeking ways to streamline processes using AI and technology.
- Strong communication and storytelling, simplifying complex analyses for technical and non-technical audiences.
- Collaborative team player, fostering strong partnerships across Data Science, Engineering, and Risk teams.
- Attention to detail and accuracy, ensuring reliability in models, metrics, and reports.
- Adaptable and proactive, thriving in a dynamic, data-intensive, and fast-growing fintech environment.
- Ethical and transparent, ensuring compliance and integrity in all risk management activities.
Hard skills:
Soft skills:
Why join Cloudwalk?
Join a company that’s reshaping the financial ecosystem through technology, innovation, and inclusion. At CloudWalk, you’ll work with advanced AI and ML tools to build the next generation of risk management systems, making payments smarter, safer, and more efficient for everyone.
Skills Required
- Strong knowledge of BACEN operational risk regulations
- Deep understanding of the payments ecosystem
- Proven experience in fraud prevention and detection
- Expertise in developing and validating ML and AI models
- Programming and data analysis proficiency
- Ability to design and deploy AI agents
- Knowledge of IT and cybersecurity risk frameworks
- Experience managing KRIs, RCSAs, and risk dashboards
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The Company
What We Do
We are democratizing the payments industry in Brazil, by empowering entrepreneurs through technological, inclusive, and life-changing solutions. Based in Brazil, CloudWalk is a high-end global payment network built on modern technology and proprietary blockchain, focused in bringing a revolution to the payment ecosystem for small and medium-sized businesses. As a unicorn, the company has provided its customers with more than R$ 1 billion in savings by charging fair fees on its transactions and is now present in more than 300.000 businesses across 5.000 brazilian cities. With investors such as the Valor Capital Group, HIVE Ventures and Coatue, the company has already raised US$ 365.5 million in investments and R$3.4 billion in FDICs for anticipation of receivables in its network of financial solutions. In 2022, it was the only brazilian fintech to be featured in the "The Retail Tech 100" ranking by CB Insights, on the "Protection Solutions for Payments and Frauds".
