Compliance Specialist

Nu is one of the largest digital financial platforms in the world, with more than 122 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. Visit our institutional page https://international.nubank.com.br/careers/  

At Nubank, Compliance is a strategic partner—not a tollgate. We view effective Risk Management & Compliance as the engine that maintains agility and empowers rapid, responsible growth across multiple global markets. Our team partners directly with internal clients using a targeted friction approach: we focus on the most relevant regulatory risks and embed compliance directly into product design rather than distributing rules after the fact.

The Global Compliance function serves as the Second Line of Defense, responsible for the full regulatory lifecycle: tracking new regulations, advising product and technology teams, testing controls, coordinating regulatory inspections, and monitoring remediation of regulatory issues.

• Independently advise business partners on new product initiatives, marketing campaigns, servicing processes, and system implementations to identify and mitigate compliance risk before deployment.
• Provide effective challenge to the First Line of Defense (Business Operations, Marketing, Product) on the design and adequacy of compliance controls, policies, and procedures.
• Interpret and apply federal and state consumer protection laws to diverse and complex business scenarios, offering actionable compliance solutions—not just risk flags.
• Assess the compliance and regulatory impact of internal operational events (e.g., system errors, process failures, vendor issues), audit findings, and external regulatory changes; develop and drive remediation plans for compliance-related issues in coordination with the First and Third Lines of Defense.
• Translate complex regulatory requirements into plain-language guidance for cross-functional teams, business leadership, and where applicable, external stakeholders (e.g., partner banks, regulators).
• Monitor emerging consumer banking trends, proposed rulemaking, and enforcement actions to proactively identify risks and advise the business on implications.
• Design, execute, and own monitoring and testing of the unsecured lending lifecycle—application processing, underwriting, pricing, and servicing—for adherence to the Equal Credit Opportunity Act (ECOA/Reg B) and related fair lending requirements.
• Lead the compliance review of models used for credit decisions, pricing, and account management, ensuring they integrate Fair Lending and Consumer Protection requirements consistent with Model Risk Management principles (OCC 2011-12 / Fed SR 11-7).
• Own the compliance monitoring of collections practices and communications (call scripts, letters, digital messages) for adherence to the Fair Debt Collection Practices Act (FDCPA), Reg F, and applicable state collections laws.
• Support the build-out of a compliance management system (CMS) appropriate for a de novo national bank under OCC supervision, including policies, procedures, monitoring, testing, training, and complaint management.

• 5–8 years of dedicated compliance, risk, or audit experience within a US financial institution, bank, or regulated fintech.
• Bachelor’s degree in Finance, Law, Business Administration, or a related field.
• Deep working knowledge of US consumer compliance regulations including ECOA/Reg B, TILA/Reg Z, UDAAP (Section 5 FTC Act / Dodd-Frank §1031), FDCPA/Reg F, FCRA/Reg V, and SCRA. Familiarity with broader US banking regulations (e.g., BSA/AML, EFTA/Reg E, GLBA/Reg P) is a plus.
• Demonstrated ability to independently interpret regulatory requirements and apply them to complex, ambiguous business scenarios—not just follow established playbooks.
• Experience providing compliance advisory to product, technology, or business teams in a fast-paced environment
• Track record of building or materially improving compliance processes, controls, or monitoring programs (not just operating within existing ones).
• Ability to communicate complex regulatory topics clearly to non-compliance audiences.
• Comfort operating with a high level of autonomy while knowing when to escalate.

• Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/
• This position is based in Miami, Nuevo Mexico