Risk Associate (Transaction Monitoring)

Coins.ph; Vila Velha; Presencial; BRL 80.000 - 140.000; Jornada completa

Descripción de la vacante

Coins.ph is seeking a Risk Associate to join our Brazil team, focusing on Transaction Monitoring. You will be the local risk point of contact for the BR market, working hands-on with our TRMS platform to detect and investigate suspicious activity while ensuring compliance with Brazilian regulations.

This role requires 2–4 years in risk, AML, or fraud in fintech or crypto, plus experience with transaction monitoring systems and SQL.

Formación

• 2–4 years of experience in risk, compliance, AML, or fraud operations within fintech, crypto, banking, or payments.
• Hands-on experience with transaction monitoring systems or similar risk tooling.
• Familiarity with Brazilian regulatory landscape, including COAF reporting obligations and AML/CFT regulations for payment institutions and crypto exchanges.

Responsabilidades

• Monitor and review flagged transactions on the shared TRMS platform, applying BR-specific risk context and regulatory knowledge.
• Investigate alerts generated by automated rules, assess risk level, and make disposition decisions (escalate, close, or action).
• Collaborate with the BR TRMS team to communicate local risk patterns and provide feedback on rule effectiveness.
• Prepare and file regulatory reports in accordance with COAF and other Brazilian AML/CFT frameworks.
• Identify emerging fraud typologies and transaction patterns specific to Brazil and document findings for the global risk team.
• Support the development and refinement of local risk policies and procedures to align with global standards and Brazilian requirements.
• Act as first line of escalation for BR operations on transaction-related risk queries.
• Participate in periodic risk reviews, audits, and regulatory exams as needed.

Conocimientos

Strong analytical

SQL

Portuguese proficiency

English communication

Educación

CAMS certification

CFE certification

Herramientas

Transaction monitoring systems

Descripción del empleo

We are looking for a Risk Associate to join our Brazil team, focused on Transaction Monitoring. In this role, you will be the local risk point of contact for the BR market, working hands-on with our shared TRMS platform to detect, investigate, and escape suspicious activity, while ensuring alignment with Brazilian regulatory requirements.

This is a great opportunity for a risk professional with a background in fintech or crypto who wants to operate at the intersection of global risk infrastructure and local regulatory compliance.

Key Responsibilities

• Monitor and review flagged transactions on the shared TRMS platform, applying BR-specific risk context and regulatory knowledge.
• Investigate alerts generated by automated rules, assess their risk level, and make disposition decisions (escalate, close, or action).
• Collaborate closely with the PH-based TRMS team to communicate local risk patterns, provide feedback on rule effectiveness, and request tuning adjustments relevant to the Brazilian market.
• Prepare and file regulatory reports in accordance with COAF (Conselho de Controle de Atividades Financeiras) and other applicable Brazilian AML/CFT frameworks.
• Identify emerging fraud typologies and transaction patterns specific to the Brazilian market and document findings for the global risk team.
• Support the development and refinement of local risk policies and procedures, ensuring they align with both global standards and Brazilian regulatory requirements.
• Act as the first line of escalation for the BR operations team on transaction-related risk queries.
• Participate in periodic risk reviews, audits, and regulatory exams as needed.

Requirements

Experience

• 2–4 years of experience in a risk, compliance, AML, or fraud operations role within fintech, crypto, banking, or payments.
• Hands-on experience working with transaction monitoring systems or similar risk tooling.
• Familiarity with the Brazilian regulatory landscape, including COAF reporting obligations, BACEN guidelines, and AML/CFT regulations applicable to payment institutions and crypto exchanges.

Skills

• Strong analytical skills — able to investigate complex transaction chains and identify patterns of risk.
• Comfort working with data; ability to query or interpret transaction data reports (SQL is a plus).
• Excellent written communication skills in Portuguese; working proficiency in English is required for cross-team collaboration with the global TRMS team.
• Ability to work independently and manage priorities in a remote setting across time zones.

Nice to Have

• Experience working in or with cryptocurrency exchanges or digital asset platforms.
• Exposure to shared or cross-functional risk systems across multi-country operations.
• Certifications such as CAMS, CFE, or equivalent.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.