Head of ALM
ARQ is a financial services platform that lets users in Latin America hold global currencies, make cross-border payments, invest in international markets, and spend worldwide with a card.
Funding history
Projects
About ARQ ( Prev DolarApp )
ARQ serves travelers, investors, and professionals across Latin America who need access to global currencies and financial markets. Users can hold digital dollars and euros, receive and send international payments via dedicated US and European account details, invest in US stocks and ETFs, and spend globally with a card at market conversion rates. The platform is available across Mexico, Argentina, Colombia, and Brazil.
Skills
About the Role
You will oversee how the company funds, invests, and safeguards a rapidly expanding multi-currency balance sheet. In this inaugural leadership role, you will build the ALM framework, risk policies, and governance committees from the ground up across about 10 regulatory licenses, partnering with Finance, Treasury, Risk, Product, and Compliance. You will have high executive and board visibility and ensure safeguarding, capital adequacy, and fund segregation across key global markets.
Requirements
- 8+ years in ALM, treasury or balance-sheet risk at a bank, neobank, broker or fintech, including leading the function or a core part of it
- Deep hands-on knowledge of liquidity risk, FX risk and interest-rate risk in the banking book
- Experience managing a multi-currency balance sheet across more than one country and regulator
- Strong quantitative and modelling skills in SQL, Python or Excel
- Experience setting up or running an ALCO and presenting to executives and boards
- Good judgment in a fast, ambiguous environment
- Fluent English; Spanish or Portuguese is a strong plus
Responsibilities
- Build daily liquidity forecasting across currencies and entities, set buffers, run stress tests, and own the contingency funding plan
- Measure and manage open FX positions, set limits, and run hedging
- Design how customer and corporate balances are invested and model rate sensitivity (NII, EVE)
- Design the funding structure for credit card and lending products
- Set concentration limits and monitor counterparty exposure
- Write the ALM policy and risk appetite, run ALCO, and report to leadership and the board
- Ensure safeguarding, reserve and liquidity requirements are met in every market
- Maintain minimum liquidity balances required under local licensing in each jurisdiction
- Define the data, tooling and automation ALM needs
Benefits
- Sign-on stock options bonus
- Discretionary performance bonus (stock options)
- Paid annual leave
- Private health insurance
- Latest technology to work with
