US Risk Leader: Build a Scalable FinTech Risk Engine

Nubank; Miami (FL); Hybrid; USD 350,000 - 550,000; Full time

Benefits offered by this job

Equity

Medical Insurance

Dental and Vision Insurance

Life Insurance

Extended parental leaves

Learning platform (Nucleo)

Language learning (NuLanguage)

Mental health program (NuCare)

401K / HSA / FSA

Work-from-home allowance

Relocation assistance

Job summary

Nu is seeking a Head of Risk US to oversee all risk disciplines in its US operation, reporting to the executive team and interfacing with regulators. The role requires deep US regulatory knowledge and a hands-on leadership style to build a scalable risk function in a fast-growing fintech.

You will lead risk governance, partner with Engineering and Legal, and drive a proactive risk culture across risk, compliance, and business units in a hybrid Miami-based setup.

Qualifications

• Bachelor’s degree required; advanced degree (MBA, MSc Finance, JD) preferred.
• 15+ years of risk management experience in financial services, with significant US market exposure.
• Deep expertise in the US regulatory environment (OCC, Fed, FDIC) and direct regulator engagement.
• Background in financial institutions, fintechs, or challenger banks preferred.
• Experience building or significantly transforming a risk function from early/mid-stage to a mature framework.
• Solid understanding of all risk disciplines: credit, market, liquidity, operational, financial crime, and compliance.

Responsibilities

• Develop and lead a comprehensive risk management framework for the US operation across credit, market, liquidity, operational, financial crime, and compliance risk.
• Establish risk appetite, limits, metrics, dashboards, and early warning indicators; report to US Board Risk Management Committee.
• Serve as primary independent risk voice with US regulators and maintain regulator relationships.
• Oversee day-to-day management of the US risk surface; align with global heads on risk disciplines.
• Lead and develop the US risk team and collaborate with engineering, Legal, Compliance, and Finance to embed risk awareness.

Skills

Leadership

Risk management

Regulatory engagement

Stakeholder management

Strategic thinking

Education

Bachelor’s degree

MBA/MSc Finance/JD

CFA/FRM

Job description

Nu is seeking a Head of Risk US to oversee all risk disciplines in its US operation, reporting to the executive team and interfacing with regulators. The role requires deep US regulatory knowledge and a hands-on leadership style to build a scalable risk function in a fast-growing fintech.

You will lead risk governance, partner with Engineering and Legal, and drive a proactive risk culture across risk, compliance, and business units in a hybrid Miami-based setup.