Transaction Monitoring Lead – LATAM

Buenos Aires - Argentina

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

Why should you join dLocal

dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we operate we make it possible for our merchants to make inroads into the worlds fastest-growing emerging markets.

By joining us you will be a part of an amazing global team that makes it all happen. Being a part of dLocal means working with 1000 teammates from 30 different nationalities and developing an international career that impacts millions of peoples daily lives. We are builders we never run from a challenge we are customer-centric and if this sounds like you we know you will thrive in our team.

What will you be doing

You will own the endtoend Transaction Monitoring framework for Latin America leading the regional team driving continuous improvement of controls and acting as a key point of contact for internal stakeholders partners and regulators.
You will:
Lead and develop the Latin America Transaction Monitoring team ensuring high performance strong collaboration and a culture of accountability and continuous improvement.
Serve as the primary liaison of LATAM Transaction Monitoring with other Financial Crime Compliance (FCC) functions including local compliance officers and other FCC regional leaders aligning monitoring activities with global and regional financial crime strategies.
Handle audits and inquiries related to Transaction Monitoring from internal and external auditors and regulators coordinating responses evidence and remediation actions as needed.
Work closely with engineering data and compliance teams to refine AML rules improve data availability and data quality and support both regulatory and internal reporting requirements.
Partner with the Data Compliance team to design implement and monitor rules and scenarios from a technical and data perspective ensuring that models and thresholds are riskbased and effective.
Serve as the main point of contact for partners payment providers and banks on Transaction Monitoringrelated topics ensuring alignment on expectations SLAs and regulatory obligations.
Lead automation initiatives for pre and posttransaction controls optimizing the balance between risk mitigation operational efficiency and merchant experience.
Review improve and authorize monitoring processes with a focus on reducing friction for merchants while maintaining robust compliance with applicable AML/CFT regulations and internal policies.
Develop and execute strategies to maintain and appropriately increase the relevance of Suspicious Transaction Reports (STRs/SARs) as operations grow while ensuring highquality alert triage investigation and documentation.
Implement quality assurance controls across different levels of analysis including manual reviews and automated alert closure models to ensure consistency accuracy and regulatory soundness.
Create maintain and enhance dashboards reports and KPIs for Transaction Monitoring ensuring information is reliable uptodate and easily understood by senior management and key business stakeholders.
Perform ongoing monitoring of AML/CFT metrics investigate anomalies and help identify emerging patterns typologies or areas where additional controls or rule tuning may be needed.
Manage and interpret large volumes of transactional data to detect unusual behaviors trends and potential financial crime risks.
Propose and implement efficient monitoring rules and controls that ensure compliance with evolving regulatory requirements and best practices while supporting business scalability.
Design and implement Transaction Monitoring controls for new products offered by dlocal including those linked to virtual assets ensuring that new offerings are launched with appropriate riskbased safeguards.

What skills do you need

Bachelors degree in Law Business Finance Accounting or a related field or equivalent professional experience.
Experience in highgrowth fintech payments or technologydriven financial services environments.
5 years of experience in Financial Crime Compliance (FCC) AML & CFT matters with a strong focus on Transaction Monitoring.
Demonstrated experience in Transaction Monitoring frameworks including alert generation case management and Suspicious Activity/Transaction Reports (SARs/STRs).
4 years of experience in leadership roles (e.g. Manager Lead) including direct responsibility for managing and developing sizable or complex teams.
Proven track record of leading and developing highperforming teams fostering a collaborative feedbackoriented environment.
Solid experience working with regulatory bodies and managing SAR/STR filings inquiries and remediation.
Strong understanding of the global and regional financial crime regulatory landscape particularly as it applies to payments fintech and/or financial institutions in Latin America.
Excellent communication skills both written and verbal with the ability to translate complex concepts and data into clear messages for technical and nontechnical audiences.
Fluent in English; additional languages relevant to Latin America (e.g. Spanish Portuguese) are a strong advantage.
Strong organizational skills with the ability to manage multiple initiatives priorities and stakeholders in a fastpaced dynamic environment.

Nice to have

Experience in virtual asset or cryptorelated companies particularly in designing or operating AML/CFT frameworks for virtual assets.
Data analytics skills (e.g. working with large datasets basic SQL dashboards and visualization tools) enabling effective collaboration with data and engineering teams and more handson rule and model refinement.
Professional certifications in AML/Compliance (e.g. ACAMS ICA equivalent) and/or experience with model validation machinelearningbased monitoring or advanced analytics.

What do we offer

Besides the tailored benefits we have for each country dLocal will help you thrive and go that extra mile by offering you:

- Flexibility: we have flexible schedules and we are driven by performance.

- Fintech industry: work in a dynamic and ever-evolving environment with plenty to build and boost your creativity.

-Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.

-Learning & development: get access to a Premium Coursera subscription.

-Language classes: we provide free English Spanish or Portuguese classes.

-Social budget: youll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!

- dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team Weve got your back!

Flexibility in how you work: We focus on impact and productivity over fixed hours. This means our teams have flexible schedules and depending on your role and location you will combine selfmanaged focus time with moments of inperson connection in our collaboration hubs.

What happens after you apply

Our Talent Acquisition team is invested in creating the best candidate experience possible so dont worry you will definitely hear from us. We will review your CV and keep you posted by email at every step of the process!

Also you can check out ourwebpage Linkedin and Youtubefor more about dLocal!

We may use artificial intelligence (AI) tools to support parts of the hiring process such as reviewing applications analyzing resumes or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed please contact us.

Why should you join dLocaldLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we opera...

Why should you join dLocal

What will you be doing

You will own the endtoend Transaction Monitoring framework for Latin America leading the regional team driving continuous improvement of controls and acting as a key point of contact for internal stakeholders partners and regulators.
You will:
Lead and develop the Latin America Transaction Monitoring team ensuring high performance strong collaboration and a culture of accountability and continuous improvement.
Serve as the primary liaison of LATAM Transaction Monitoring with other Financial Crime Compliance (FCC) functions including local compliance officers and other FCC regional leaders aligning monitoring activities with global and regional financial crime strategies.
Handle audits and inquiries related to Transaction Monitoring from internal and external auditors and regulators coordinating responses evidence and remediation actions as needed.
Work closely with engineering data and compliance teams to refine AML rules improve data availability and data quality and support both regulatory and internal reporting requirements.
Partner with the Data Compliance team to design implement and monitor rules and scenarios from a technical and data perspective ensuring that models and thresholds are riskbased and effective.
Serve as the main point of contact for partners payment providers and banks on Transaction Monitoringrelated topics ensuring alignment on expectations SLAs and regulatory obligations.
Lead automation initiatives for pre and posttransaction controls optimizing the balance between risk mitigation operational efficiency and merchant experience.
Review improve and authorize monitoring processes with a focus on reducing friction for merchants while maintaining robust compliance with applicable AML/CFT regulations and internal policies.
Develop and execute strategies to maintain and appropriately increase the relevance of Suspicious Transaction Reports (STRs/SARs) as operations grow while ensuring highquality alert triage investigation and documentation.
Implement quality assurance controls across different levels of analysis including manual reviews and automated alert closure models to ensure consistency accuracy and regulatory soundness.
Create maintain and enhance dashboards reports and KPIs for Transaction Monitoring ensuring information is reliable uptodate and easily understood by senior management and key business stakeholders.
Perform ongoing monitoring of AML/CFT metrics investigate anomalies and help identify emerging patterns typologies or areas where additional controls or rule tuning may be needed.
Manage and interpret large volumes of transactional data to detect unusual behaviors trends and potential financial crime risks.
Propose and implement efficient monitoring rules and controls that ensure compliance with evolving regulatory requirements and best practices while supporting business scalability.
Design and implement Transaction Monitoring controls for new products offered by dlocal including those linked to virtual assets ensuring that new offerings are launched with appropriate riskbased safeguards.

What skills do you need

Bachelors degree in Law Business Finance Accounting or a related field or equivalent professional experience.
Experience in highgrowth fintech payments or technologydriven financial services environments.
5 years of experience in Financial Crime Compliance (FCC) AML & CFT matters with a strong focus on Transaction Monitoring.
Demonstrated experience in Transaction Monitoring frameworks including alert generation case management and Suspicious Activity/Transaction Reports (SARs/STRs).
4 years of experience in leadership roles (e.g. Manager Lead) including direct responsibility for managing and developing sizable or complex teams.
Proven track record of leading and developing highperforming teams fostering a collaborative feedbackoriented environment.
Solid experience working with regulatory bodies and managing SAR/STR filings inquiries and remediation.
Strong understanding of the global and regional financial crime regulatory landscape particularly as it applies to payments fintech and/or financial institutions in Latin America.
Excellent communication skills both written and verbal with the ability to translate complex concepts and data into clear messages for technical and nontechnical audiences.
Fluent in English; additional languages relevant to Latin America (e.g. Spanish Portuguese) are a strong advantage.
Strong organizational skills with the ability to manage multiple initiatives priorities and stakeholders in a fastpaced dynamic environment.

Nice to have

Experience in virtual asset or cryptorelated companies particularly in designing or operating AML/CFT frameworks for virtual assets.
Data analytics skills (e.g. working with large datasets basic SQL dashboards and visualization tools) enabling effective collaboration with data and engineering teams and more handson rule and model refinement.
Professional certifications in AML/Compliance (e.g. ACAMS ICA equivalent) and/or experience with model validation machinelearningbased monitoring or advanced analytics.