LATAM Financial Risk Manager

As a Financial Risk Manager you will be the principal second-line Financial Risk specialist supporting Wises Brazilian operations and legal entities with opportunities to contribute to Financial Risk matters across LATAM.

This is a Level 5 individual-contributor role combining independent risk oversight with hands-on technical delivery. You will assess and quantify financial exposures maintain the local Risk and Capital Management framework support prudential reporting and produce the analysis required for senior management local governance bodies and regulatory decision-making.

The role requires a detailed understanding of how money moves through Wise Pagamentos Wise Corretora and relevant Wise group entities including the accounts ledgers counterparties currencies settlement mechanisms and regulatory obligations involved.

Your mission

As the regional risk manager you will be responsible for:

• Provide independent second-line oversight and challenge of liquidity funding intraday liquidity settlement counterparty credit concentration FX market safeguarding capital and intercompany risks.

• Maintain and continue developing Wise Brazils Risk and Capital Management framework policies risk appetite metrics limits KRIs and governance reporting.

• Prepare coordinate or independently challenge capital plans capital forecasts RWA calculations and financial risk stress-testing exercises.

• Translate Finance forecasts from Group assumptions and IFRS-based information into risk analysis appropriate for the Brazilian entities and COSIF-based prudential framework.

• Support the completeness accuracy and timely submission of applicable prudential and Financial Risk reports including DDR DRM DLO DLI DRL Pilar 3 and other relevant BCB reporting.

• Monitor capital adequacy regulatory and internal limits concentration exposures liquidity positions and end-of-day FX positions escalating actual or forecast breaches.

• Analyse BRL liquidity across normal and closed-market periods including nights weekends and holidays and assess the impact of payment-rail banking-partner or funding constraints.

• Define review and backtest liquidity and safeguarding buffers using historical data forward-looking volumes and credible stress scenarios.

• Assess new products banking arrangements safeguarding structures and financial infrastructure by reconstructing the legal-entity and funds flow and quantifying the resulting exposures.

• Evaluate the financial and prudential implications of payment systems like Pix SPI STR in Brazil SPEI in Mexico among other LatAm payment systems  FX and settlement arrangements including cut-offs prefunding trapped liquidity and operational concentration.

• Perform counterparty and concentration analysis for banks liquidity providers safeguarding institutions and other financial partners.

• Challenge Finance Treasury PayOps Banking Product and Engineering on financial assumptions control design data quality reconciliation and remediation plans.

• Convert Financial Risk analysis into practical recommendations such as limits launch conditions liquidity controls capital actions counterparty diversification and contingency arrangements.

• Prepare clear recommendations and escalation materials for the Brazilian CRO and CFO local Risk Committee Board and other governance forums.

• Support Compliance and senior management in technical prudential engagements with Regulators.

• Monitor regulatory developments affecting capital liquidity safeguarding FX concentration and prudential reporting assessing their quantitative and operational impact.

• Collaborate with global Financial Risk teams while ensuring that Brazilian legal-entity and regulatory requirements remain appropriately addressed.

Qualifications :

Experience were looking for: 

• Hands-on experience with regulatory capital RWA capital planning liquidity risk or prudential reporting.

• Ability to build review and challenge quantitative models stress tests forecasts limits and financial risk metrics.

• Understanding of Brazilian prudential accounting and reporting including COSIF and applicable BCB reports.

• Experience analysing payment and FX flows across multiple legal entities accounts and settlement mechanisms.

• Ability to turn complex financial analysis into clear decisions launch conditions and senior governance recommendations.

• Advanced spreadsheet and data-analysis capability; SQL or equivalent analytical experience is strongly desirable.

Additional Information :

*Please note only resumes provided in English will be considered*

Our Benefits:

RSUs in a rapidly growing company

Flexible working model 

An annual self-development budget

Health and dental allowance for you and your dependents

Company-paid: Life Insurance and an EAP program

Paid time off: 30 days vacation 3 Me days 1 volunteer day annually

A paid 6-week sabbatical leave after four years

8-weeks of paid parental leave after a year with us and child care assistance

Transportation vouchers

Food (730 BRL per month) and meal (1188 BRL per month) vouchers

 TotalPass access to 3500 gyms and studios throughout Brazil

For everyone everywhere. Were people building money without borders  without judgement or prejudice too. We believe teams are strongest when they are diverse equitable and inclusive.

Were proud to have a truly international team and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what its like to work at Wise visit .

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Remote Work :

No

Employment Type :

Full-time