What You'll be Doing:
- Design, implement, and maintain the Operational Risk Management Framework aligned with BACEN regulations.
- Identify, assess, and monitor operational risk exposures: especially related to fraud and IT.
- Develop and validate AI/ML models for fraud detection, anomaly identification, and operational risk quantification.
- Build and maintain AI agents to automate risk workflows such as loss event tracking, KRI monitoring, and incident reporting.
- Define and monitor Key Risk Indicators (KRIs) and Risk and Control Self-Assessments (RCSAs).
- Collaborate with Data Science, Engineering, and Compliance to embed risk controls into product and process design.
- Conduct scenario analyses and stress tests to evaluate resilience and guide management decisions.
- Prepare clear and insightful risk dashboards and reports for senior management and regulators.
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 — acquirers, sub-acquirers, and issuers.
- Proven experience in fraud prevention and detection across the full lifecycle (onboarding, monitoring, disputes, and recovery).
- Expertise in ML/AI model development and validation for fraud and operational risk.
- Strong programming and data analysis skills (Python, SQL, R) for simulation, validation, and automation.
- Ability to design and deploy AI agents for risk automation.
- Knowledge of IT and cybersecurity frameworks (NIST, COBIT, ISO 27001) and how they integrate with operational risk.
- Experience managing KRIs, RCSAs, and risk dashboards for management and regulatory reporting.
- Analytical and critical thinker, turning complex data into clear insights.
- Hands-on and execution-focused, iterating fast to deliver results.
- Automation-driven mindset, always looking to improve processes with AI and tech.
- Strong communicator, able to connect technical and non-technical audiences.
- Collaborative and curious, partnering with Data Science, Engineering, and Risk teams.
- Detail-oriented and accurate — your reports and models are reliable.
- Proactive, adaptable, and comfortable in a fast-paced fintech environment.
- Ethical and transparent in every decision and process.
- Advanced English for communication
Top Skills
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".
