Sicredi

Financial Crime

• Manage and technically develop the team, fostering a culture of excellence and continuous learning.
• Lead the update of the AIR (Internal Risk Assessment) and ensure the highest effectiveness of our AML program.
• Orchestrate 360º due diligence across KYC, KYS, KYP and KYE processes for strategic partners, clients and suppliers, applying a critical perspective to different business models.
• Manage integrated monitoring, ensuring the efficiency and effectiveness of AML-CFT transaction monitoring processes.
• Define and monitor robust OKRs and KPIs, using data to identify bottlenecks and optimize the health of the program.
• Act as a consultative partner for new products, balancing risk exposure with business viability. Build an executive-level perspective that translates complex metrics into actionable intelligence for senior management and maintain fluid relationships with regulatory authorities.
• Define and ensure compliance with SLAs, and continuously improve transaction monitoring, assessment, treatment and reporting to COAF – Financial Activities Monitoring Council – of atypical movements.
• Lead AML/CFT initiatives, including customer onboarding filters and transaction monitoring.
• Lead the development of anti-money laundering policies, methodologies and tools for senior management approval, in order to establish AML and Combating the Financing of Terrorism (AML/CFT) processes at Sicredi.

Anti-Money Laundering Manager (AML)

Assessor

• The person will act in executing the Central’s strategy, together with affiliated Cooperatives, and will be responsible for:
• Working on improvements to technology processes
• Identifying, prioritizing and supporting the implementation of automation initiatives, integrations (APIs) and solutions using Artificial Intelligence
• Mapping, analyzing and evolving processes with a focus on efficiency, risk reduction and improved experience
• Assessing opportunity gains (time, cost, quality and risk) in proposed solutions
• Supporting or leading technology implementation initiatives together with Cooperatives and involved areas
• Monitoring the results of initiatives through indicators and performance metrics
• Ensuring alignment of solutions with architecture, technical standards and System guidelines
• Acting as a bridge between the Central office, Cooperatives and systems areas, facilitating decisions and alignments
• Representing the Central in forums, working groups and local and system-wide initiatives
• Monitoring trends, risks, regulations and technologies, ensuring adherence to governance and information security

Process Analyst – Technology

• Manage and develop the team technically, fostering a culture of excellence and continuous professional development.
• Lead the update of the AIR (Internal Risk Assessment) and ensure the maximum effectiveness of our AML program.
• Orchestrate 360° due diligence across KYC, KYS, KYP and KYE processes for strategic partners, clients and suppliers, applying a critical view across different business models.
• Manage integrated monitoring to ensure the efficiency and effectiveness of the AML-CFT transactional monitoring process.
• Build and track robust OKRs and KPIs, using data to identify bottlenecks and optimize program health.
• Act as a consultative partner for new products, balancing risk exposure with business viability. Present an executive view by translating complex metrics into actionable intelligence for senior management and maintain a fluid relationship with regulatory bodies.
• Define and ensure compliance with SLAs, while continuously improving transactional monitoring, assessment, treatment and reporting to COAF – Council for Financial Activities Monitoring (Brazilian Financial Intelligence Unit) of atypical transactions.
• Lead AML-CFT initiatives, including client onboarding filters and transactional monitoring.
• Lead the development of AML policies, methodologies and tools for approval by senior management to establish anti-money laundering and counter-financing of terrorism processes at Sicredi.

Anti-Money Laundering Manager

Designer

• Lead, develop and inspire a multidisciplinary design team (UX, UI, Research, Content and Design System), fostering a culture of excellence, collaboration and continuous improvement;
• Establish and evolve the strategic design vision for digital channels, aligned with business objectives and Sicredi's value proposition;
• Implement and operationalize the DesignOps discipline, structuring processes, tools, rituals and metrics that ensure smooth flow from idea conception to experience delivery;
• Ensure integration between design and development streams, providing predictable delivery cycles, end-to-end quality and scalability;
• Act as guardian of Sicredi's design principles, defining guidelines, standards and references to guide all areas involved in building experiences;
• Lead the evolution and governance of the corporate Design System, ensuring adoption, consistency and scalability within a federated development model;
• Establish criteria and mechanisms for Design Quality Assurance, ensuring standardization and excellence even with different business areas contributing to the channels' evolution;
• Define and monitor experience indicators (NPS, CSAT, usability, journey efficiency) and design maturity metrics, supporting decisions with data and evidence;
• Institutionalize user research practices, prototyping and hypothesis validation as the basis for product decision-making;
• Coordinate with leaders in Product, Technology, Marketing, Customer Service and Business to ensure strategic alignment and prioritization driven by member experience;
• Identify opportunities for innovation in the digital experience by tracking market trends, consumer behavior and emerging technologies;
• Serve as a technical and leadership reference in design, mentoring professionals and strengthening Sicredi's design community.

Design Manager

Product Operations

• Validate compliance with product manuals and credit regulations.
• Review companies' accounting documentation (revenue, balance sheet, income statement and trial balance).
• Verify compliance with each cooperative’s internal regulations, according to membership.
• Validate documentation related to real guarantees (property registration/title and appraisal report).
• Prepare an exception report to support the analyst’s technical opinion.
• Stay up to date on procedures and legislation related to technical analysis and credit granting.
• Stay informed about credit policies and maintain a critical view to propose improvements.
• Understand the business.
• Respond to cooperatives’ requests.
• Provide support and collaborate as part of a team.

Product Operations Analyst – Junior

• Coordinate and lead multidisciplinary teams
• Responsible for contributing to employee development, encouraging them to take ownership of their careers
• Seek business generation and insurance-focused solutions aligned with the institution's strategy
• Monitor market trends and best practices to evolve our OKRs
• Operational health: Work with KPIs and metrics, converting them into actionable insights for decision-making.

Product Operations Coordination – Insurance, Post-Sales

• Lead and advance Credit Recovery operations, focusing on:
• - Collections and out-of-court recovery;
• - Management and monitoring of the area’s operational processes;
• - Management of non-financial assets held for sale (AMV);
• - Structuring and monitoring of portfolio assignments/ces­sions.
• Design and optimize operational processes, promoting:
• - Standardization and scalability;
• - Automation of workflows and increased efficiency;
• - Continuous improvement based on data.
• Act as a bridge between business, technology and operations teams, ensuring:
• - Translation of business needs into operational and system solutions;
• - Prioritization of initiatives with an impact-driven focus.
• Lead strategic initiatives to evolve the recovery model, including:
• - Adoption of new tools and technologies;
• - Structuring of new operational models;
• Develop and engage the team, promoting:
• - A collaborative, high-performance environment;
• - Technical and behavioral development;
• - A culture of ownership and continuous improvement.

Product Operations Coordination – Focus on Credit Recovery

Bookkeeper

• Handling preventive alerts to identify fraud scenarios
• Monitoring results to control impacts, proposing new strategies for automatic decision-making by the fraud detection engine
• Preparing Fraud Prevention Manuals and Procedures
• Handling and investigating fraud incidents
• Analyzing area KPIs and preparing diagnostic reports

Junior Fraud Prevention Analyst – Focus on Pass-Through Account Investigation

Business Analyst

• Results-oriented with a focus on business and strategy
• Provide support to cooperatives and insurers with a focus on identifying product opportunities
• Map key opportunities for the evolution of our products
• Previous experience working with cross-functional teams in product development
• Analytical ability, strategic and creative thinking
• Ability to identify problems and make evidence-based decisions
• Proactivity and initiative
• Strong interpersonal skills and ability to communicate with other teams and leadership

Business Analyst – Insurance Focus

• Focus on results, business and strategy;
• A vision that guides product strategy through to decision-making that ensures focus on outcomes;
• Backlog management and roadmap administration;
• Ensures requirements for what to build, collaborates with the development team and monitors releases;
• Must be able to identify the minimum viable product (MVP);
• Previous experience working with cross-functional teams to create products;
• Analytical ability, strategic and creative thinking;
• Skill in identifying problems and making evidence-based decisions;
• Proactivity and initiative;
• Good interpersonal skills and the ability to communicate with other teams and leadership.

Product Management Analyst – Insurance Focus

Analyst

• Realizar as análises de crédito, emitindo pareceres técnicos a fim de embasar as decisões de concessão de crédito nas Cooperativas;
• Manter-se atualizado quanto aos procedimentos e legislações que dizem respeito à análise técnica e concessão de crédito;
• Manter-se atualizado quanto às políticas de crédito e ter olhar crítico para proposição de mudanças;
• Ter entendimento do negócio;
• Realizar o atendimento às demandas das cooperativas;
• Apoiar e trabalhar em equipe.

Analista de Crédito e Mercado SR

• Handling preventive alerts to identify fraud scenarios
• Monitoring outcomes to control impacts and recommending new strategies for the fraud detection engine to take automatic decisions
• Preparing Fraud Prevention Manuals and Procedures
• Handling and investigating fraud incidents
• Analyzing area metrics and preparing diagnostic reports

Junior Fraud Prevention Analyst – Focus on Pass-Through Account Investigations

Customer Success Manager

• Responsible for leading the outreach strategy and governance for CRM initiatives, ensuring effective adoption of solutions, alignment across involved areas, and long-term sustainability of processes. Acts as a bridge between business areas, technology and strategic stakeholders, ensuring consistency, standardization and continuous evolution of the CRM ecosystem.
• Develop, evolve and sustain CRM Governance policies, guidelines and frameworks.
• Monitor and govern communication frequency and send pressure, ensuring member engagement and a positive member experience.
• Define and govern audience segmentation processes, campaign intersections and journey prioritization rules.
• Serve as a spokesperson for CRM best practices, advising on channels, frequency, engagement and responsible use of databases.
• Project and control CRM costs, supporting budget allocation decisions in a data-driven manner.
• Support corporate initiatives, ensuring practical application of governance guidelines in CRM communications.
• Define and implement the dissemination and communication strategy for deliveries to product teams and Cooperatives for CRM initiatives, considering organizational, process and people impacts.
• Structure and lead the CRM governance model, including forums, roles, responsibilities and monitoring cadences.
• Ensure alignment between business, technology, data and marketing teams, promoting an integrated view of initiatives.
• Identify risks, impacts and opportunities related to changes, and propose mitigation plans.
• Promote standardization of processes, best practices and methodologies related to the use of CRM.
• Drive continuous evolution of the governance model, ensuring scalability and operational efficiency.

Senior CRM Analyst

Data Engineer

• Lead the construction of highly complex data pipelines, optimizing workloads and ensuring the delivery of data with efficiency, scalability, and low cost.
• Define technical standards and best practices for data ingestion, transformation, versioning, and availability, promoting consistency and governance.
• Serve as a technical mentor, supporting the development of more junior engineers and fostering a culture of technical excellence.
• Monitor and tune pipeline performance, ensuring SLAs, resilience, and reliability of solutions.
• Ensure compliance with data security and governance policies, acting proactively and reactively when necessary.
• Participate in strategic data architecture decisions, influencing platform evolution and the adoption of new technologies.
• Lead continuous improvement initiatives, proposing innovative solutions to technical and operational challenges.
• Represent the area in technical and strategic forums, promoting integration with other teams and contributing to the organization’s analytical maturity.

Fraud Prevention Specialist – Data Engineering Focus

• Monitor the Operational Resilience project portfolio in a structured manner (Management).
• Consolidate and monitor status reports, schedules, milestones, risks and dependencies; ensure methodological adherence and governance.
• Implement and provide visibility to RAS/KRIs/KPIs, OKRs and health metrics; prepare technical assessments and executive reports with key messages to support decision-making.
• Support agile practices (Scrum/Kanban), ceremonies, capacity management and a culture of continuous improvement.
• Create and maintain dashboards (e.g., Power BI/Tableau) and support process automation.
• Standardize templates, rituals and artifacts; facilitate communication between areas and removal of impediments.
• Align the area roadmap with strategic priorities and support prioritization cycles and quarterly planning.
• Lead or provide methodological support to functional teams leading internal management projects.
• Actively participate in project planning and monitoring, always maintaining balance.
• Monitor project progress and collaborate with the team to suggest improvements to project action strategies during execution.
• Manage conflicts internally and across areas for projects that span multiple sectors.
• Lead multidisciplinary status meetings between teams.
• Strong communication skills and adaptability to critical environments.
• Contribute to the creation, standardization and evolution of project, program and portfolio management methodologies.
• Support the implementation and dissemination of frameworks, templates, rituals and tools.
• Act as a facilitator between the VMO and internal areas, promoting a governance culture and project excellence.
• Identify gaps and propose improvements to processes, flows and practices.
• Create training materials, guides and courses, and support professionals in adopting practices.
• Excellent knowledge and practical experience preparing plans that involve multiple, sometimes related, projects.
• Experience leading status meetings, executive presentations or reporting with middle management.
• Comfortable working across multifunctional teams, preferably related to finance.
• Strong communication skills, crisis (conflict) management and adaptability to critical environments.
• Strong systems thinking, organization, analytical mindset and results orientation when managing multiple projects.