Senior Product Manager - Cross-Border Operations

Brazil·São PauloFull Timesenior

Product ManagementSenior Product Manager

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Quick Summary

Requirements Summary

Strong understanding of API design, payment event flows, data pipelines, and the technical architecture behind real-time settlement and regulatory reporting systems.

Technical Tools

Product ManagementSenior Product Manager

Why should you join dLocal?

dLocal enables the biggest companies in the world to collect payments in 40 countries in emerging markets. Global brands rely on us to increase conversion rates and simplify payment expansion effortlessly. As both a payments processor and a merchant of record where we operate, we make it possible for our merchants to make inroads into the world’s fastest-growing, emerging markets.

By joining us you will be a part of an amazing global team that makes it all happen. Being a part of dLocal means working with 1000+ teammates from 30+ different nationalities and developing an international career that impacts millions of people’s daily lives. We are builders, we never run from a challenge, we are customer-centric, and if this sounds like you, we know you will thrive in our team.

What's the Opportunity?

We are looking for a technically deep and commercially-driven Senior Product Manager to own the Cross-Border Payments domain in Brazil. Cross-border is one of the most complex and strategically important verticals at dLocal, operating at the intersection of FX regulation, payment infrastructure, treasury mechanics, and merchant experience. You will lead the end-to-end product strategy for how dLocal enables global merchants to move money into and out of emerging markets compliantly, efficiently, and at scale. This role requires a profound interest in the regulatory framework governing foreign exchange, non-resident accounts, and electronic payment services, and the ability to translate that complexity into elegant product decisions. Your domain will encompass the full cross-border stack, including: Regulatory & FX Compliance, Non-Resident Account (NRA) Infrastructure, Treasury & FX Operations, VASP & Stablecoin Operations, Merchant Cross-Border Flows, and Regulatory Reporting Products.

Strategy & P&L Ownership: Define and own the vision, roadmap, and economic performance of the Cross-Border product suite, balancing regulatory compliance with revenue impact and operational efficiency.

Regulatory Product Leadership: Navigate Central Bank's regulatory landscape, ensuring dLocal operates as a best-in-class eFX and NRA participant. Translate regulatory change into timely product action.

NRA & VA Product Development: Lead the design and delivery of Non-Resident Account integrations and Virtual Account structures, working with FX brokers, custody banks, and internal engineering to build compliant, scalable fund collection infrastructure.

Merchant Communication at Scale: Act as the primary technical and commercial advisor for global merchants operating XB flows in Brazil. Explain complex regulatory, FX, and operational concepts clearly to enterprise stakeholders.

Treasury Tooling & Automation: Partner with Treasury and Finance teams to eliminate manual workflows, Tradebook management, ACAM file generation, safeguarding calculations, and FX closing, through well-designed product tooling.

VASP & Stablecoin Product Strategy: Own the product development for virtual asset-related regulatory obligations and emerging stablecoin treasury use cases.

Engineering Partnership: Work closely with Engineering on event-driven payment systems, FX data pipelines, regulatory reporting infrastructure, and high-availability architecture for real-time fund movements.

Innovation & AI Integration: Actively leverage AI tools (including Claude) to automate operational workflows, accelerate regulatory analysis, and scale product knowledge across the organization.

Experience: 5+ years of PM experience in payments, fintech, or financial services. Direct experience with Brazil's cross-border payments ecosystem is mandatory.

FX & Regulatory Expertise: Deep knowledge of the Brazilian FX regulatory framework, including Central Bank's Resolution, eFX scope rules, NRA account mechanics, IOF treatment, and ACAM reporting obligations.

NRA & Virtual Account Knowledge: Practical understanding of Non-Resident Account structures, Virtual Account (VA) mechanics, and FX broker/custody bank relationships in Brazil.

Treasury & Operations Fluency: Understanding of how FX closing, daily netting, safeguarding compliance, and intercompany fund movements work in a multi-entity payments operation.

VASP / Crypto Awareness: Familiarity with Brazil's virtual asset regulatory landscape and its intersection with payment infrastructure is a plus.

B2B Background: Proven track record managing products for large-scale enterprise merchants in a cross-border or FX context. Ability to navigate complex merchant requirements involving regulatory constraints and operational customization.

Technical Fluency: Strong understanding of API design, payment event flows, data pipelines, and the technical architecture behind real-time settlement and regulatory reporting systems.

Data-Driven: Proficient with data analysis tools to monitor FX economics, TPV performance, operational risk indicators, and compliance metrics.

AI Adopter: High proficiency in leveraging AI tools (e.g., Claude) to accelerate regulatory interpretation, product documentation, and operational automation.

Communication: Excellent English communication skills — written and verbal — are mandatory. Spanish fluency is highly preferred. Portuguese is a strong advantage.

What do we offer?

Besides the tailored benefits we have for each country, dLocal will help you thrive and go that extra mile by offering you:

- Flexibility: we have flexible schedules and we are driven by performance.

- Fintech industry: work in a dynamic and ever-evolving environment, with plenty to build and boost your creativity.

- Referral bonus program: our internal talents are the best recruiters - refer someone ideal for a role and get rewarded.

- Social budget: you'll get a monthly budget to chill out with your team (in person or remotely) and deepen your connections!

- dLocal Houses: want to rent a house to spend one week anywhere in the world coworking with your team? We’ve got your back!

Flexibility in how you work: We focus on impact and productivity over fixed hours. This means our teams have flexible schedules and, depending on your role and location, you will combine self‑managed focus time with moments of in‑person connection in our collaboration hubs.

What happens after you apply?

Our Talent Acquisition team is invested in creating the best candidate experience possible, so don’t worry, you will definitely hear from us. We will review your CV and keep you posted by email at every step of the process!

Also, you can check out our webpage, Linkedin and Youtube for more about dLocal!