Regulatory Accounting Lead – Remote

At RecargaPay, we are on a mission to deliver the best payment experience for Brazilian consumers and small businesses by building a powerful digital ecosystem. We serve over 10 million users, process more than USD 4 billion annually, and have been profitable since 2022. As an AI-first, 100% remote team, we are scaling in the rapidly changing Brazilian financial market.

Our goal is to deliver the best payment experience in Brazil for people and small businesses alike. We value autonomy, ownership, and a bias for action. We seek individuals who are curious, hands-on, and driven by impact, eager 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

As the Regulatory Accounting Lead, you will be responsible for leading RecargaPay’s regulatory accounting function across its prudential conglomerate, including the Payment Institution (IP), Credit Finance Company (SCFI), and the consolidated group. You will ensure the accuracy and compliance of statutory and regulatory financial reporting, while overseeing the preparation of the group's financial statements under US GAAP. This role requires deep expertise in accounting for regulated financial institutions, strong knowledge of BACEN regulations, and the ability to operate autonomously in a highly complex and fast-changing regulatory environment. You will serve as a key partner to internal stakeholders, auditors, regulators, and executive leadership, providing technical accounting guidance and supporting strategic business initiatives.

Key Responsibilities

Financial Reporting & Regulatory Compliance

• Prepare and review individual and consolidated statutory financial statements in accordance with BACEN, IFRS, and US GAAP requirements.
• Ensure timely and accurate submission of regulatory reports, including CADOCs 4010, 4011, 4060, 4111, 3040, and SVR reports 9800 and 9805.
• Partner with Compliance and Regulatory Data teams to validate regulatory reporting and ensure regulatory adherence.
• Maintain accounting policies and procedures aligned with regulatory and financial reporting requirements.

Audit & External Stakeholder Management

• Lead external audits related to accounting and regulatory reporting matters.
• Defend accounting positions and technical interpretations before auditors and regulators.
• Manage the institutional relationship with BACEN and coordinate technical discussions with external consultants and advisors.

Credit Products Accounting

• Own the end-to-end accounting treatment for credit card, revolving credit, loan, and deposit products.
• Ensure proper accounting treatment for provisions, credit portfolios, funding instruments, and structured products.
• Translate transactional data from data lakes into accounting entries and support automation initiatives for accounting processes across IP and SCFI entities.

Technical Accounting & Strategic Projects

• Research, interpret, and implement complex accounting and regulatory standards, including IFRS, COSIF, and BACEN regulations.
• Prepare formal technical accounting memorandums to support accounting positions and business decisions.
• Evaluate the accounting implications of strategic initiatives, including FIDC structures, lending products, and other business expansion projects.
• Support leadership in assessing regulatory and accounting impacts of new products and corporate initiatives.

Qualifications

• Bachelor's degree in Accounting or related field.
• Professional accounting certification and/or specialization in IFRS, COSIF, or related disciplines is a strong plus.
• Solid experience in accounting within regulated financial institutions such as Payment Institutions, SCFIs, banks, or similar organizations.
• Proven experience working within prudential conglomerates and regulatory reporting environments.
• Strong knowledge of IFRS, COSIF, US GAAP, and BACEN regulations applicable to payment and credit institutions.
• Experience with the accounting treatment of credit products, funding instruments, deposits, and securitization structures.
• Hands-on experience preparing and reviewing BACEN regulatory filings and reports.
• Experience working with large datasets, data lakes, and accounting automation initiatives.
• Advanced analytical skills with the ability to interpret complex accounting and regulatory requirements.
• Professional proficiency in English.

Soft Skills

• Strong leadership and technical influence capabilities.
• Excellent communication skills with the ability to engage senior stakeholders, auditors, regulators, and executive leadership.
• High level of organization and ability to manage multiple priorities simultaneously.
• Strong analytical and problem-solving mindset.
• Proactive attitude with a continuous improvement mentality.
• High degree of ownership, autonomy, and accountability.
• Ability to operate effectively in fast-paced and highly regulated environments.

Industry-Specific Knowledge

• Deep understanding of accounting and regulatory frameworks applicable to Brazilian financial institutions.
• Expertise in BACEN regulations, COSIF, IFRS, and US GAAP reporting requirements.
• Strong knowledge of accounting treatment for credit cards, consumer lending, deposits, structured credit products, and FIDC structures.
• Experience navigating regulatory audits, prudential conglomerate requirements, and interactions with financial regulators.
• Understanding of accounting process automation and integration between financial systems and data platforms.

Benefits

• Competitive and market-aligned salary.
• Remote work – wherever you are, you’re part of the team!
• 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.

Diversity & Inclusion at RecargaPay

At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, 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 the Use of Your Data

By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).