Customer Intelligence Analyst
Thread Bank
Job Level
Mid-LevelSenior
About the role
- Own the local compliance program in Brazil, ensuring adherence to local and international standards
- Monitor regulatory changes, manage investigations, and act as liaison with regulators, auditors, and banking partners
- Lead KYC/AML investigations, oversee suspicious activity reporting, and collaborate with risk, operations, and product teams to embed compliance
- Review KYC alerts, biometric mismatches, and potential fraud using Receita Federal, SERPRO, and KYC tools (Jumio, Persona)
- Prepare and submit COS filings to COAF, maintain CCS reports, and support other regulatory obligations (e.g., SISBAJUD)
- Assess suspicious activities across PIX, TED/DOC, and interoperable wallets; escalate financial crime risks
- Monitor PEP, sanctions, adverse media alerts, and review limit increase requests
- Enhance monitoring and reporting controls to detect and mitigate emerging threats
- Work with internal teams to strengthen AML/CFT controls and align with Banco Central directives and COAF guidelines
- Serve as the main point of contact with regulators, auditors, and banking partners
Requirements
- Fluency in Portuguese & English
- Proven experience with COAF regulatory reporting (COS, CCS, SISBAJUD)
- Strong knowledge of AML/CFT frameworks, Banco Central Circular 3978, PIX-related fraud, FATF standards
- Experience in audits, inspections, and risk assessments with Banco Central and COAF
- Expertise in KYC controls (IDs, biometrics, SERPRO, sanctions, adverse media)
- Confidence engaging with regulators and external authorities
- Hands-on, detail-oriented, and proactive mindset
- (Nice-to-have) AML/compliance certifications (e.g., CAMS, ICA)
- (Nice-to-have) Regional LATAM compliance experience
- (Nice-to-have) Knowledge of fintech, PIX, TED/DOC, and digital wallets
- (Nice-to-have) Understanding of digital assets regulation (COAF, FATF)
- (Nice-to-have) Experience building or scaling compliance programs
