Risk & Regulatory Analyst (Fintech)

About RecargaPay:
RecargaPay is on a mission to deliver the best payment experience for Brazilian consumers and small businesses. We're building a powerful digital ecosystem where the banked and unbanked connect, offering a one-stop shop for all financial needs. With over 10 million users and processing over USD 4 billion annually, we've been profitable since 2022 and operate our own credit business. As an AI-first, 100% remote team, we are scaling in the dynamic Brazilian financial market.

Our goal is to deliver the best payment experience in Brazil. We value autonomy, ownership, and a bias for action. We seek curious, hands-on individuals driven by impact who want to solve real problems, work with strong teams, and rethink what's possible.

If you’re ready to do your best work, at scale, with purpose — this is your place.

Position Overview:
This role is responsible for ensuring adherence to risk policies and regulatory requirements within our financial institution. The analyst will bridge regulatory compliance and practical risk management, monitoring regulatory changes, identifying gaps, and leading adequacy initiatives. The position also involves preparing and submitting regulatory reports to authorities such as the Central Bank of Brazil.

Key Responsibilities:

• Review, update, and ensure adherence to risk policies, guaranteeing consistency between formal documentation and practical execution.
• Monitor the release of guidelines and regulations from regulatory bodies (Central Bank, CVM, ANBIMA, etc.), assessing impacts and leading compliance initiatives.
• Identify regulatory gaps in risk processes and controls, proposing and tracking remediation actions.
• Support the preparation of explanatory notes, Due Diligence questionnaire responses, and other risk management materials.
• Review and reconcile accounting entries against asset positions, ensuring alignment between accounting and regulatory risk perspectives.
• Prepare, validate, and submit regulatory risk reports, including DDR, DRM, DRL, DLI, and DLO (Central Bank) and IRRBB.
• Monitor and project key regulatory indicators such as the Basel Index, Reference Equity, and Maximum Exposure per Client, contributing to the prevention of non-compliance and the definition of action plans.

Qualifications:

• Bachelor’s degree in Accounting, Economics, Business Administration, or related fields.
• Experience in accounting or regulatory roles within financial or payment institutions, with hands-on work in COSIF and CADOCs.
• Advanced Excel/Google Sheets and basic to intermediate SQL for reconciliation and data testing.
• Working knowledge of BCB/CMN regulations applicable to Segment S4 Payment Institutions and internal controls frameworks.

Soft Skills:

• Strong attention to detail and commitment to accuracy in documentation and reporting.
• Analytical mindset with the ability to translate complex regulatory requirements into practical actions.
• Clear and effective communication, both written and verbal, for committee participation and stakeholder engagement.
• Proactive and autonomous, capable of identifying issues and driving solutions independently.
• Ability to work cross-functionally and collaborate with different teams and departments.
• Organizational skills to manage multiple regulatory deadlines and priorities simultaneously.

What We Offer:

• Competitive and market-aligned salary.
• 100% Remote work.
• Home office allowance via monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership for health and wellness.
• Spanish or Portuguese classes.

Industry-Specific Knowledge:
You have broad, real-world experience establishing and scaling Developer Experience practices in complex, regulated environments, with a strong preference for fintech contexts; you turn developer needs into clear golden paths, lightweight standards, and supportive tooling that improve flow and quality and productivity without adding friction, and guide organizations through the cultural and operational shifts required for sustained adoption.

Diversity & Inclusion at RecargaPay:
RecargaPay believes that diverse perspectives and experiences make us more creative and stronger. Everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About Data Use:
By sharing your resume, you authorize the use of your data for analysis during the selection process and for other opportunities within the RecargaPay group, in accordance with LGPD.