Risk Associate (Transaction Monitoring)

We are looking for a **Risk Associate** to join our Brazil team, focused on **Transaction Monitoring**. In this role, you will be the local risk point of contact for the BR market, working hands-on with our shared TRMS platform to detect, investigate, and escalate suspicious activity, while ensuring alignment with Brazilian regulatory requirements. This is a great opportunity for a risk professional with a background in fintech or crypto who wants to operate at the intersection of global risk infrastructure and local regulatory compliance.

## Key Responsibilities - Monitor and review flagged transactions on the shared TRMS platform, applying BR-specific risk context and regulatory knowledge. - Investigate alerts generated by automated rules, assess their risk level, and make disposition decisions (escalate, close, or action). - Collaborate closely with the PH-based TRMS team to communicate local risk patterns, provide feedback on rule effectiveness, and request tuning adjustments relevant to the Brazilian market. - Prepare and file regulatory reports in accordance with COAF (Conselho de Controle de Atividades Financeiras) and other applicable Brazilian AML/CFT frameworks. - Identify emerging fraud typologies and transaction patterns specific to the Brazilian market and document findings for the global risk team. - Support the development and refinement of local risk policies and procedures, ensuring they align with both global standards and Brazilian regulatory requirements. - Act as the first line of escalation for the BR operations team on transaction-related risk queries. - Participate in periodic risk reviews, audits, and regulatory exams as needed.

### Requirements #### Experience - 2–4 years of experience in a risk, compliance, AML, or fraud operations role within fintech, crypto, banking, or payments. - Hands-on experience working with transaction monitoring systems or similar risk tooling. - Familiarity with the Brazilian regulatory landscape, including COAF reporting obligations, BACEN guidelines, and AML/CFT regulations applicable to payment institutions and crypto exchanges. #### Skills - Strong analytical skills — able to investigate complex transaction chains and identify patterns of risk. - Comfort working with data; ability to query or interpret transaction data reports (SQL is a plus). - Excellent written communication skills in Portuguese; working proficiency in English is required for cross-team collaboration with the global TRMS team. - Ability to work independently and manage priorities in a remote setting across time zones. #### Nice to Have - Experience working in or with cryptocurrency exchanges or digital asset platforms. - Exposure to shared or cross-functional risk systems across multi-country operations. - Certifications such as CAMS, CFE, or equivalent.

Coins.ph is the Philippines' leading fiat and crypto wallet and exchange, enabling users to buy, sell, and trade over 170 cryptocurrencies like Bitcoin and Ethereum, as well as access financial services including remittances, bill payments, and mobile top-ups. It serves over 18 million users through a mobile app and is fully regulated by the Bangko Sentral ng Pilipinas as the first crypto-based company in Asia with both Virtual Currency and Electronic Money Issuer licenses.[1][2][4]