Riachuelo

Associate Attorney (Mid-level) – Financial Products

Riachuelo

full-time

Posted on:

Location Type: Hybrid

Location: São Paulo • Brazil

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About the role

  • Map, interpret, and analyze the legislation applicable to new and existing financial products, including payroll-deductible loans (crédito consignado), personal loans, cards, digital wallets, and insurance.
  • Identify regulatory risks and prepare recommendations for mitigation.
  • Draft, review, and negotiate contracts for financial products, as well as documents related to new features developed with the Product team.
  • Review and draft terms, internal policies, and other documents connected to Midway’s products.
  • Review campaigns, marketing materials, and customer communications, ensuring compliance with the Brazilian Consumer Protection Code (CDC), Central Bank of Brazil (BCB), SUSEP, Senacon, and other regulators.
  • Adjust messages and disclaimers to ensure clarity and mitigate reputational and regulatory risks.
  • Work in an integrated manner with Civil and Consumer Litigation teams to ensure legal and regulatory alignment of internal guidelines.
  • Support the Ombudsman’s office in analyzing and responding to sensitive inquiries from external bodies (BCB, Procon, Senacon, Consumidor.gov) with technically substantiated positions.
  • Provide legal support in responding to Preparatory Procedures,
  • Civil inquiries, recommendations, notices, and Terms of Conduct Adjustment (TACs) conducted by the Public Prosecutor’s Office.
  • Prepare statements, reports, and technical clarifications to ensure institutional defense.
  • Attend diligences and meetings with prosecutors, contributing regulatory, consumer law, and financial product analyses.
  • Assess risks arising from investigations and propose action plans aligned with internal areas.
  • Participate in multidisciplinary discussions involving technology, products, risk, and compliance.
  • Assist in drafting internal guidelines and legal opinions on sensitive or strategic topics.

Requirements

  • Law degree, graduated at least 4 years ago.
  • Active registration with the Brazilian Bar Association (OAB).
  • Prior experience in the legal department of a financial institution, in the finance arm of a major retailer with fintech products, or in a law firm focused on financial products.
  • Experience with regulatory and supervisory bodies (BCB, SUSEP, Procon, Senacon).
  • Experience interfacing with the Public Prosecutor’s Office, including drafting responses and conducting negotiations.
  • Advanced ability to analyze and interpret complex legislation and regulations.
  • Expertise in Banking Law, Regulatory Law, Consumer Law, LGPD (Brazilian Data Protection Law), and Contracts.
  • Familiarity with BACEN/CMN regulations and the regulation of payment methods and credit.
  • Ability to interpret regulations and draft complex contracts.
Benefits
  • Medical insurance
  • Dental insurance
  • Meal or food allowance
  • Telemedicine
  • Gympass
  • Partnership/benefits with Sesc
  • Home office allowance
  • Profit-sharing (PLR)
  • Private pension plan
  • Group life insurance
  • Pharmacy partnership/discounts
  • Educational partnerships
  • Online learning platform
  • Discounts at Riachuelo
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
legal analysiscontract draftingregulatory compliancerisk assessmentlegislation interpretationfinancial product analysisconsumer law expertiseBanking LawRegulatory LawLGPD
Soft Skills
communicationnegotiationinterpersonal skillsorganizational skillsanalytical thinkingcollaborationproblem-solvingattention to detailstrategic thinkingadaptability
Certifications
Law degreeactive registration with the Brazilian Bar Association (OAB)