Must be authorized to work in the U.S. without the need for employment-based visa sponsorship now or in the future.
Job Summary: This role will serve as the central point of coordination between the Bank Operations team and the BSA/AML, Compliance, and Internal Audit functions. This role ensures that operational processes—including onboarding, payments, wires, ACHs, customer service, deposit and loan maintenance, credit cards, letters of credit, SBLCs, and custody services—are fully aligned with regulatory requirements and internal policies. The role is critical to maintaining a strong control environment and ensuring readiness for audits, regulatory exams, and compliance reviews. This role operates within the first line of defense and is responsible for ensuring that operational processes are effectively designed, implemented, and maintained in compliance with regulatory requirements, while coordinating with Compliance (2LOD) and Internal Audit (3LOD). This position is based in South Florida and requires regular in-office presence to support coordination with Operations teams and engagement with internal and external stakeholders
Key Responsibilities
Regulatory & Compliance Coordination
- Serve as the primary liaison between Bank Operations and Compliance, BSA/AML, and Audit teams.
- Interpret and apply regulatory requirements across operational processes, including but not limited to:
- Bank Secrecy Act (BSA)
- Anti-Money Laundering (AML)
- Office of Foreign Assets Control (OFAC)
- Regulation E, Z, DD, and UDAAP
- Regulation R (custody and safekeeping exemptions under the Securities Exchange Act)
- Ensure operational adherence to Regulation R by:
- Supporting the implementation of custody and safekeeping services.
- Coordinating client consent documentation and disclosures.
- Assisting in the development of dual-hatted supervisory procedures and training
Audit & Exam Management
- Lead the coordination of internal and external audits, regulatory exams, and compliance reviews.
- Track and manage audit requests, findings, and remediation plans.
- Maintain documentation and evidence repositories to support audit readiness.
Operational Risk & Controls
- Identify compliance risks across operational workflows and recommend mitigation strategies.
- Collaborate with business units to implement and monitor internal controls.
- Support the development and maintenance of policies and procedures.
Project Management & Governance
- Lead or support cross-functional projects involving regulatory change management, operational enhancements, or new product launches.
- Develop and maintain dashboards and reporting tools to track compliance metrics and audit status.
- Facilitate governance meetings and working groups related to compliance and operational risk.
Training & Awareness
- Develop and deliver training to operations staff on compliance topics, including Regulation R, BSA/AML, and audit protocols.
- Promote a culture of compliance and risk awareness across the operations team.
Qualifications:
- Bachelor's degree in Business, Finance, Legal Studies, or related field; advanced degree or certifications (e.g., CAMS, CRCM, PMP) preferred.
- 7-10 years of experience in banking operations, compliance, or audit.
- Strong knowledge of U.S. banking regulations, including Regulation R and custody services.
- Demonstrated experience managing audits and regulatory exams.
- Excellent project management, communication, and stakeholder engagement skills.
- Ability to work independently and collaboratively across departments.
- Bilingual English and Portuguese or Spanish
Bradesco Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
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