AML/CFT Manager (Gerente de PLD/FT, Toss Brazil) 계열사 소개 계열사 소개 합류 여정 팀 문화 아티클 자주 묻는 질문 전체 공고 AML/CFT Manager (Gerente de PLD/FT, Toss Brazil) AML/CFT Manager (Gerente de PLD/FT, Toss Brazil) 토스 소속 정규직 브라질 현지 근무 포지션입니다. This role is based in São Paulo, Brazil. About Toss Toss is South Korea's leading financial super app, trusted by over 20 million users and backed by a fully licensed financial group. Guided by our mission to remove financial friction and redesign financial services from the ground up, Toss continues to transform the finance industry through innovation and simplicity. As we expand into Brazil, we operate a money transfer service in partnership with a licensed Brazilian payment institution. We are now looking for an AML/CFT Manager to lead and operate Toss Brazil's AML/CFT/CPF program.
About
the Role The AML/CFT Manager will lead Toss Brazil's Anti-Money Laundering, Counter-Terrorist Financing and Counter-Proliferation Financing (AML/CFT/CPF) function, in accordance with Law No. 9,613/1998 (as amended by Law No. 12,683/2012), Law No. 13,260/2016, and the risk-based
requirements of Circular BCB No. 3,978/2020. You will run our internal AML/CFT/CPF program end to end with operational independence, work closely with our licensed partner's compliance team on escalations, due diligence, and have direct access to senior management and to the global HQ AML organization. What You’ll Work On AML Program Ownership Own and maintain Toss Brazil's AML/CFT/CPF policies, procedures and internal controls, aligned with the licensed partner's program and Circular BCB No. 3,978/2020 Maintain the Internal Risk Assessment (Avaliação Interna de Risco) covering customers, products, services, distribution channels, IT system and operations Ensure new products, services, channels, partners and material business changes are assessed for ML/TF/PF risk prior to implementation Customer Due Diligence Oversee KYC/CDD/EDD processes across the customer lifecycle, including PEP identification and enhanced measures for high-risk customers under Circular BCB No. 3,978/2020 Maintain the customer risk rating methodology and escalation workflows for high-risk cases Transaction Monitoring & Escalation Operate transaction monitoring remittance flows; manage rules, thresholds and alert investigation workflows Investigate suspicious activity and escalate reportable cases to the partner's compliance team with complete and timely case files Maintain records in line with the retention obligations of Law No. 9,613/1998 and Circular BCB No. 3,978/2020 and the partner's record-keeping
requirements Sanctions Compliance Oversee sanctions screening against UNSC lists (subject to immediate asset-freezing obligations under Law No. 13,810/2019), OFAC, EU and other lists applicable under group standards Maintain sanctions procedures and escalation paths: confirmed true matches result in immediate blocking and notification to the partner's compliance team Partner & Regulatory Alignment Act as the primary AML/CFT/CPF counterpart to the licensed partner's compliance team: respond to KYP/KYS due diligence, periodic reviews and information requests Monitor Brazilian regulatory developments (BCB, CMN, COAF) and ensure timely adaptation of internal controls Governance & Reporting Report to senior management and global HQ on program performance, emerging risks and material AML/CFT/CPF matters requiring coordination or support Oversee Know Your Employee (KYE) procedures for local staff, including screening at hiring and on an ongoing basis, in line with Circular BCB No. 3,978/2020 Design and deliver AML/CFT/CPF training for local staff Support group-level internal reviews
What We're Looking For Must-Have Based in Brazil with valid work authorization; professional working English 8+ years of AML/CFT (PLD/FT) experience, with at least 3 years in a leadership or senior role within a financial institution, payment institution or fintech Strong working knowledge of Law No. 9,613/1998, Circular BCB No. 3,978/2020 and COAF regulatory expectations Hands-on experience with transaction monitoring, suspicious activity investigation and KYC/CDD/EDD operations Independent judgment with the confidence to escalate or block without deference to commercial pressure Strong communication skills, including partner-facing due diligence responses and senior-level reporting Preferred Experience in remittance, payments (instituição de pagamento) environment Experience operating under a BaaS / white-label / sponsor arrangement, including responding to partner due diligence and audits CAMS or a recognized Brazilian PLD/FT certification Familiarity with PIX and instant-payment fraud and money laundering typologies Working knowledge of the LGPD (Law No. 13,709/2018) as it applies to KYC data handling Experience collaborating with a global HQ AML team in a multi-jurisdictional environment Personal Attributes High ownership mindset with strong prioritization and independent judgment Demonstrated integrity, honesty and soundness of judgment in prior roles Clean regulatory and professional record — no adverse findings, serious convictions or unresolved conflicts of interest What We Offer A high-impact role shaping Toss's AML/CFT foundation for our Brazilian expansion Opportunity to build the local AML function from zero to full launch and contribute to overall governance Close collaboration with senior teams at our Korea headquarters on key regulatory and operational decisions Competitive
compensation package. Flexible and supportive work environment. Hiring Process Functional interviews (AML expertise, regulatory handling, execution capability) Culture fit interviews (e.g., corporate values, culture fit, way of working) All interview processes will be conducted virtually.. Please Note Pre-employment checks such as background and financial checks will be conducted. 지원하기 전체 채용공고 목록으로 돌아가기 토스 소속 정규직 브라질 현지 근무 포지션입니다. This role is based in São Paulo, Brazil. About Toss Toss is South Korea's leading financial super app, trusted by over 20 million users and backed by a fully licensed financial group. Guided by our mission to remove financial friction and redesign financial services from the ground up, Toss continues to transform the finance industry through innovation and simplicity. As we expand into Brazil, we operate a money transfer service in partnership with a licensed Brazilian payment institution. We are now looking for an AML/CFT Manager to lead and operate Toss Brazil's AML/CFT/CPF program.
About
the Role The AML/CFT Manager will lead Toss Brazil's Anti-Money Laundering, Counter-Terrorist Financing and Counter-Proliferation Financing (AML/CFT/CPF) function, in accordance with Law No. 9,613/1998 (as amended by Law No. 12,683/2012), Law No. 13,260/2016, and the risk-based
requirements of Circular BCB No. 3,978/2020. You will run our internal AML/CFT/CPF program end to end with operational independence, work closely with our licensed partner's compliance team on escalations, due diligence, and have direct access to senior management and to the global HQ AML organization. What You’ll Work On AML Program Ownership Own and maintain Toss Brazil's AML/CFT/CPF policies, procedures and internal controls, aligned with the licensed partner's program and Circular BCB No. 3,978/2020 Maintain the Internal Risk Assessment (Avaliação Interna de Risco) covering customers, products, services, distribution channels, IT system and operations Ensure new products, services, channels, partners and material business changes are assessed for ML/TF/PF risk prior to implementation Customer Due Diligence Oversee KYC/CDD/EDD processes across the customer lifecycle, including PEP identification and enhanced measures for high-risk customers under Circular BCB No. 3,978/2020 Maintain the customer risk rating methodology and escalation workflows for high-risk cases Transaction Monitoring & Escalation Operate transaction monitoring remittance flows; manage rules, thresholds and alert investigation workflows Investigate suspicious activity and escalate reportable cases to the partner's compliance team with complete and timely case files Maintain records in line with the retention obligations of Law No. 9,613/1998 and Circular BCB No. 3,978/2020 and the partner's record-keeping
requirements Sanctions Compliance Oversee sanctions screening against UNSC lists (subject to immediate asset-freezing obligations under Law No. 13,810/2019), OFAC, EU and other lists applicable under group standards Maintain sanctions procedures and escalation paths: confirmed true matches result in immediate blocking and notification to the partner's compliance team Partner & Regulatory Alignment Act as the primary AML/CFT/CPF counterpart to the licensed partner's compliance team: respond to KYP/KYS due diligence, periodic reviews and information requests Monitor Brazilian regulatory developments (BCB, CMN, COAF) and ensure timely adaptation of internal controls Governance & Reporting Report to senior management and global HQ on program performance, emerging risks and material AML/CFT/CPF matters requiring coordination or support Oversee Know Your Employee (KYE) procedures for local staff, including screening at hiring and on an ongoing basis, in line with Circular BCB No. 3,978/2020 Design and deliver AML/CFT/CPF training for local staff Support group-level internal reviews
What We're Looking For Must-Have Based in Brazil with valid work authorization; professional working English 8+ years of AML/CFT (PLD/FT) experience, with at least 3 years in a leadership or senior role within a financial institution, payment institution or fintech Strong working knowledge of Law No. 9,613/1998, Circular BCB No. 3,978/2020 and COAF regulatory expectations Hands-on experience with transaction monitoring, suspicious activity investigation and KYC/CDD/EDD operations Independent judgment with the confidence to escalate or block without deference to commercial pressure Strong communication skills, including partner-facing due diligence responses and senior-level reporting Preferred Experience in remittance, payments (instituição de pagamento) environment Experience operating under a BaaS / white-label / sponsor arrangement, including responding to partner due diligence and audits CAMS or a recognized Brazilian PLD/FT certification Familiarity with PIX and instant-payment fraud and money laundering typologies Working knowledge of the LGPD (Law No. 13,709/2018) as it applies to KYC data handling Experience collaborating with a global HQ AML team in a multi-jurisdictional environment Personal Attributes High ownership mindset with strong prioritization and independent judgment Demonstrated integrity, honesty and soundness of judgment in prior roles Clean regulatory and professional record — no adverse findings, serious convictions or unresolved conflicts of interest What We Offer A high-impact role shaping Toss's AML/CFT foundation for our Brazilian expansion Opportunity to build the local AML function from zero to full launch and contribute to overall governance Close collaboration with senior teams at our Korea headquarters on key regulatory and operational decisions Competitive
compensation package. Flexible and supportive work environment. Hiring Process Functional interviews (AML expertise, regulatory handling, execution capability) Culture fit interviews (e.g., corporate values, culture fit, way of working) All interview processes will be conducted virtually.. Please Note Pre-employment checks such as background and financial checks will be conducted. 전체 채용공고 목록으로 돌아가기 지원하기 채용팀에 문의하기
