Transaction Monitoring Lead - LATAM

dLocal Limited

Job Overview

Location

Buenos Aires

Job Type

Full-time

Full Job Description

📋 Description

• Lead the design, implementation, and ongoing optimization of transaction monitoring systems to detect and prevent fraudulent activity across LATAM markets.
• Oversee a team of analysts responsible for reviewing high-risk transactions, investigating alerts, and escalating suspicious activity to compliance and legal teams.
• Collaborate with risk, compliance, and engineering teams to enhance detection rules, reduce false positives, and improve system accuracy.
• Ensure all transaction monitoring processes comply with local financial regulations and international AML/KYC standards applicable in LATAM countries.
• Analyze transaction patterns and emerging fraud trends specific to emerging markets in Latin America to proactively adjust monitoring parameters.
• Develop and maintain detailed documentation of monitoring protocols, investigation workflows, and escalation procedures.
• Conduct regular audits of transaction monitoring outputs to validate system performance and ensure regulatory readiness.
• Provide training and mentorship to junior analysts on fraud detection techniques, regulatory requirements, and system tools.
• Interface with global compliance teams to align LATAM monitoring strategies with corporate-wide risk frameworks.
• Prepare and present regular reports to senior management on fraud metrics, alert volumes, resolution rates, and system effectiveness.
• Work closely with payment processors, banks, and third-party vendors to gather intelligence on regional fraud tactics and adapt monitoring accordingly.
• Participate in cross-functional incident response teams during high-profile fraud events or regulatory inquiries.
• Stay current on evolving financial crime trends in LATAM, including money laundering, chargeback fraud, and synthetic identity schemes.
• Identify opportunities to automate manual review processes through collaboration with data and engineering teams.
• Maintain strict confidentiality and data integrity when handling sensitive customer and transaction information.

🎯 Requirements

• Proven experience leading transaction monitoring or fraud detection teams in financial services or payments industry
• Deep understanding of AML/KYC regulations and compliance frameworks in LATAM countries
• Hands-on experience with transaction monitoring systems (e.g., Actimize, SAS, FICO) and fraud analytics tools
• Strong analytical skills with ability to interpret complex transaction data and identify patterns indicative of fraud
• Experience working with cross-border payment flows and emerging market payment ecosystems
• Fluency in Spanish and Portuguese; English proficiency required for global team collaboration

🏖️ Benefits

• Competitive salary and performance-based bonuses
• Comprehensive health and dental insurance
• Paid time off and local public holidays
• Professional development allowance for training and certifications
• Flexible work hours and hybrid work model
• Opportunities for international career growth within dLocal’s global network

Skills & Technologies

Senior

Onsite

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dLocal Limited

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About dLocal Limited

dLocal Limited is a Uruguay-based fintech that provides cross-border payment infrastructure for emerging markets. It enables global merchants to accept and disburse funds in over 40 countries across Latin America, Africa, and Asia using local payment methods, currencies, and regulatory compliance through a single API integration.

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