Compliance Manager (AML/CFT Compliance Officer)
Ripple provides crypto and blockchain solutions for enterprises, enabling global financial entities to move, manage, and tokenize value. They focus on improving existing financial systems through partnerships and regulatory compliance, with products used in over 50 countries.
About Ripple
Ripple is an enterprise blockchain and crypto solutions company that aims to enable the world to move value as seamlessly as information moves today. Their mission is to build breakthrough crypto solutions for a world without economic borders. Using blockchain technology, Ripple facilitates global financial institutions, businesses, governments, and developers to move, manage, and tokenize value, thereby unlocking greater economic opportunity. The company works within existing financial systems to improve them, partnering with customers to streamline infrastructure and collaborating with regulators to ensure solutions are secure and compliant. Ripple's products are in commercial use by hundreds of customers across more than 50 countries, helping them expand into new markets, access liquidity solutions, and generate crypto-enabled revenue streams. They also support developers by providing tools for building on the XRP Ledger, a fast and sustainable public blockchain. Ripple’s payments, custody and stablecoin solutions empower financial institutions to integrate blockchain and digital assets into their business in a simple, secure, compliant way—all in one place. From instant payments to asset tokenization, blockchain and crypto are happening right now, across the world. It’s happening to suppliers, to retailers, to exchanges, to currencies, to sectors, to industries, to markets, and to global businesses. And it’s happening with Ripple.
Skills
About the Role
You will lead and improve Ripple Brazil's compliance program as the designated AML/CTF Compliance Officer. You'll operationalize Ripple Brazil's digital currency exchange and payments activities, working closely with the Regulatory Compliance team on local license initiatives. You'll build out policies, procedures, and risk assessments, implement KYC and transaction monitoring controls, and represent Ripple in front of the Central Bank of Brazil and COAF. You'll collaborate with internal teams and Global Compliance leadership to ensure regulatory requirements are met and report on compliance matters to senior management and the Board.
Requirements
- 7+ years of AML/CTF and sanctions experience in a financial services firm regulated by the Central Bank of Brazil
- Experience with digital currency exchanges and payments compliance program management
- Strong operational knowledge in building and running a sound compliance program
- Understanding of regulatory requirements for payment institutions in Brazil
- Ability to effectively present on AML/CTF and sanctions topics to internal and external parties
- Ability to provide practical, strategic and business-oriented advice
- Proven track record to coordinate multiple concurrent projects
- Strong written and verbal communication skills
Responsibilities
- Act as the designated AML/CTF Compliance Officer under the AML Law
- Implement and develop the compliance programs in Brazil, ensuring effective and appropriate controls
- Develop policies, procedures, and risk assessments for new products and services
- Work closely with Regulatory Compliance personnel to obtain local registrations and authorizations
- Build local compliance operations aligned with local requirements
- Represent Ripple in front of the Central Bank of Brazil and COAF
- Implement risk-based Know Your Customer (KYC), transaction monitoring, and watchlist screening
- Support Global Compliance conducting KYC reviews of Group customers
- Establish relationships with local Responsible Managers and internal teams to ensure timely response to compliance queries
- Work with Global Compliance leadership to develop strategic plans and complete critical initiatives
- Prepare periodic reports to local Senior Management, the Board of Directors, and Ripple Group committees
- Coordinate, prepare and submit periodic and ad-hoc regulatory reports to the Central Bank of Brazil and COAF
Benefits
- Professional development budget
- Flexible in-office collaboration schedule
- Bi-weekly all-company meeting
- Team offsites, team bonding activities, happy hours
- Competitive salary, bonuses, and equity
- Competitive benefits covering physical and mental healthcare, retirement, family forming, and family support
- Employee giving match
- Mobile phone stipend
- R&R days
- Generous wellness reimbursement and weekly onsite & virtual programming
- Generous vacation policy
- Industry-leading parental leave policies and family planning benefits
- Catered lunches, fully-stocked kitchens with premium snacks/beverages