Job detail for AML/CTF Analyst

Company description

Experian is a global data and technology company that powers opportunities for people and businesses around the world. We operate in diverse markets, such as financial services, healthcare, automotive, agribusiness, insurance, among others. Experian invests in people and new advanced technologies to unlock the power of data. We have an incredible team of 25,200 employees in 32 countries.

Our uniqueness is valuing yours. Experian's people-centric, inclusive, and purpose-driven culture is recognized by numerous awards — including World’s Best Workplaces™ 2025 (Fortune's Top 25 global) and Great Place To Work™ in 26 countries, among others. Check out Experian Life on social media or explore our careers site to understand why. Experian is also proud to be an equal opportunity employer and affirmative action employer.

Job description

Location: São Paulo – SP | Model: Hybrid | Level: Mid-level

About the role

Professional to work in the second line of defense in Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF). The position focuses on the analysis of alerts and atypical operations, the decision on reporting to COAF, and technical support to business areas — with direct exposure to the regulator and audit.

• Analyze alerts generated by the transactional monitoring system, evaluating the compatibility between transactions and the customer profile
• Conduct the analysis of suspicious operations and prepare a well-founded technical opinion, with the decision on whether or not to report to COAF
• Register reports in SISCOAF within regulatory deadlines
• Execute the enhanced KYC (EDD) process for higher-risk customers: PEPs, exposed persons, sensitive sectors, non-residents
• Perform checks against restrictive lists (OFAC, UN, sanctions), negative media, and public databases
• Apply and review the customer risk classification methodology (KYC Risk Rating)
• Support the calibration of monitoring rules and scenarios, proposing adjustments to reduce false positives
• Handle requests from judicial orders, Bacen, COAF, and the Public Prosecutor's Office
• Support internal and external audits and the Internal Risk Assessment (AIR)
• Contribute to the updating of AML/CTF policies, procedures, and training

Requirements

• Bachelor's degree in Law, Business Administration, Accounting, Economics, or related fields
• 3 to 6 years of experience in AML/CTF in a financial institution, payment service provider, or fintech
• Mastery of Bacen Circular 3.978/20, Law 9.613/98, and COAF regulations
• Practical experience in alert analysis, drafting opinions, and reporting to SISCOAF
• Knowledge of money laundering typologies and risk-based approach (RBA)
• Intermediate/advanced Excel for transactional analysis

Desirable

• CPA-20, CAMS certification, or equivalent in compliance/AML
• Experience with transactional monitoring tools and KYC/screening systems
• SQL or Power BI for data extraction and analysis
• Experience in AML for specific products: foreign exchange, Pix, cards, credit
• Previous interface with Fraud (ID&F), Risk, and Legal departments
• Intermediate English

Behavioral profile

Analytical capacity to connect scattered evidence and build a consistent narrative about the operation. Firm and independent stance — the decision to report to COAF cannot yield to commercial pressure. Clear technical writing, as the opinion is the main product of the role and may be read by the regulator years later. Absolute discretion: the duty of confidentiality and the prohibition of tipping-off are non-negotiable.

Position indicators

Volume and timeliness of alerts handled, adherence to regulatory reporting deadlines, quality of the opinion in quality reviews, false positive rate of the portfolio, and absence of audit/regulator findings.

Qualifications

Qualifications

• AML
• KYC
• CTF
• Credit
• R6

Additional information

Serasa Experian is much more than you imagine. With the purpose of creating a better future by expanding opportunities for people and businesses, in Brazil we are more than 4,000 people working in diverse teams and specialties. Here, every piece of knowledge and diversity complements each other and you can work on what you love most. We are committed to building an inclusive culture and an environment in which people can balance their careers with their personal commitments and interests, valuing well-being.

We are dedicated to being one of the best and most innovative companies to work for in the country, enabling incredible experiences and careers for our people. Our strong people-first approach is recognized externally through various market certifications: we have been awarded by Great Place To Work™ in 24 countries and by the international Top Employers certification, in addition to being recognized as one of the best companies for young professionals and having a 4.6 rating on Glassdoor. Each recognition indicates that we are on the right path, providing an increasingly better work environment for our talent.