AML & OFAC Specialist | USA

Socket.dev; Miami (FL); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Equity

Medical Insurance

Dental and Vision Insurance

Life Insurance and AD&D

401K

Relocation Assistance Package

Work-from-home Allowance

Job summary

Nu in Miami is seeking an AML & OFAC Specialist within the AML Governance team to assess internal control efficacy and oversee systems supporting AML/CFT and sanctions programs, aligned with BSA and OFAC guidelines.

You will advise 1LOD, update documentation, perform QA testing, calibrate rules for a new transaction monitoring system, and collaborate with global teams to improve processes and regulatory defensibility.

Qualifications

• Bachelor’s, Master’s, or law degree in a related field.
• Minimum of 5 years of professional AML/sanctions/risk/control experience.
• Experience in monitoring/testing or quality control in AML/Audit/Risk.
• Experience in AML/KYC investigations in digital assets/payments/fintech.
• Experience collaborating with global teams.

Responsibilities

• Advise 1LOD and stakeholders on AML/CFT/OFAC requirements.
• Update governing docs and procedures for AML/sanctions program.
• Perform risk-based QA testing of AML and sanctions controls.
• Test scenario thresholds, sanctions match logic, and detection rules.
• Support the implementation of a new transaction monitoring system and data quality checks.

Skills

Analytical thinking

Communication skills

Portuguese/Spanish language

AI curiosity & coding

Willingness to relocate to Miami

Education

Bachelor’s/Master’s/Law degree in related field

Tools

SQL

Python

Scala

Job description

About Nu

Nu is the leading digital bank in Latin America, serving 135 million customers across Brazil, Mexico, and Colombia. The company has been leading an industry transformation by leveraging data and proprietary technology to develop innovative products and services. Guided by its mission to fight complexity and empower people, Nu caters to customers’ complete financial journey, promoting financial access and advancement with responsible lending and transparency. The company is powered by an efficient and scalable business model that combines low cost to serve with growing returns. Nu’s impact has been recognized in multiple awards, including Time 100 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks. Visit our Institutional Page

About the team:

The US FinCrime team, a component of Nu’s Global FinCrime Risk Department, is dedicated to the prevention of Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) and sanctions violations. Its core mission is to manage the US AML/CFT and Sanctions program, ensuring regulatory adherence. This includes assessing the execution of related activities and promoting the standardization and efficiency of policies, processes, and systems.

As a team, our mission is to continuously develop the global management of money laundering, terrorist financing and sanctions‑prevention risks, strengthening organizational culture, policies and internal controls, preventing reputational and legal risks, and ensuring Nubank’s sustainable international growth.

You will be responsible for

In your role as an AML & OFAC Specialist within the AML Governance team, you will assess internal control efficacy and oversee systems supporting our AML/CFT and Sanctions program. Adhering to BSA and OFAC guidelines, your primary responsibilities will include:

Key Responsibilities:

• Provide advisory to the 1LOD and various internal stakeholders on the adherence to the AML/CFT/ OFAC program requirements, FinCEN directives and internal policies and procedures.
• Assist with updating governing documentation and procedures to guarantee the AML/sanctions program remains accurate, effective, and regulatory defensible.
• Perform risk-based quality control and quality assurance testing of existing AML and Sanctions controls, documenting conclusions, communicating control weaknesses or gaps and tracking of corrective actions until closure.
• Conduct scheduled and ad hoc testing of scenario thresholds, sanctions match logic, and detection rules, customer risk rating calibrations and updates, including above-the-line (ATL) and below-the-line (BTL) testing, and any model updates as needed. Work with internal and external stakeholders as needed.
• Perform routine monitoring of transaction monitoring tools, sanctions screening filters, validating the proper updates were made to ensure control effectiveness. Perform BSA operational tasks as needed during testing activities.
• Assist with the implementation of a new transaction monitoring system by assisting with the calibration of rules and procedures and conducting second level review of AML alerts as needed.
• Support the AML Governance and Quality Control specialist by maintaining accurate, up-to-date model documentation and testing records.
• Assist with AML and sanctions review of vendor assessments.
• Data Quality & Reconciliation:Execute data reconciliation checks between core banking systems and compliance applications, document exceptions, and assist with root-cause analysis.
• Reporting & Documentation:Maintain audit-ready test logs, evidence repositories, and performance dashboards for management and regulatory review.
• Cross-Functional Collaboration:Partner with AML analytics, 1LOD teams, Compliance, and external vendors to facilitate system updates, support audits, and implement continuous process improvements.
• Contribute to the development of the monitoring and testing plan, including any Global Program requirements.
• Ad Hoc Support:Assist with ad hoc requests and tasks from the Partner Bank and other projects assigned by management including international efforts.

We are looking for a person who has

Qualifications & Skills

• A Bachelor's, Master's, or Law degree is required in a discipline such as Business Administration, Accounting, Economics, Engineering, Finance, Information Technology, or a Risk Management-related field.

• Minimum of 5 years of professional experience, ideally within AML, Sanctions, Business analytics, Risk Management, or other control functions.
• Prior experience in monitoring/testing or quality control roles in AML, Audit or Risk.
• Prior AML and or KYC investigations experience in the digital asset, payments, and/or Fintech space.
• Previous experience collaborating with global teams.

Key Skills:

• Strong analytical, problem-solving, and critical thinking abilities, with the capacity to translate complex technical data into actionable business insights.
• Excellent communication and interpersonal skills, enabling effective engagement with stakeholders across various teams and seniority levels.
• Fluency in Portuguese and/or Spanish is a plus.
• Enthusiasm for Artificial Intelligence and coding skills (e.g., SQL, Python, Scala, or similar programming languages) are a plus.
• Willingness to relocate to Miami, FL

Benefits

• Opportunity of earning equity at Nu
• Medical Insurance
• Dental and Vision Insurance
• Life Insurance and AD&D
• Extended maternity and paternity leaves
• Nucleo - Our learning platform of courses
• NuLanguage - Our language learning program
• NuCare - Our mental health and wellness assistance program
• Extended maternity and paternity leaves
• 401K
• Saving Plans - Health Saving Account and Flexible Spending Account
• Work-from-home Allowance
• Relocation Assistance Package, if applicable.

Location

[Miami, USA]

Work model

Hybrid

Office requirement

2 days per week at the office.

Our recruitment process may involve the use of artificial intelligence–enabled tools, such as automated interview transcription and analysis, to support the evaluation process. Artificial intelligence is not used to make final hiring decisions; all decisions are made by human reviewers.