About RedotPay

RedotPay is a global crypto payment fintech integrating blockchain solutions into traditional banking and finance infrastructure. Our user-friendly platform empowers millions of users worldwide to spend and send crypto assets, enabling faster, more accessible, and inclusive financial services. We are committed to advancing financial inclusion and supporting the secure adoption of flexible, crypto-powered financial solutions.

The Opportunity

We are seeking an experienced Risk Management Officer - Brazil to establish, implement, and oversee the risk management framework of our Brazilian regulated entity. This is a senior second-line role responsible for building robust enterprise and prudential risk governance in accordance with applicable requirements of the Central Bank of Brazil (Banco Central do Brasil or BCB). The successful candidate will provide independent risk oversight, advise senior management and the Board, and ensure that risk management is embedded across the company’s products, operations, technology, outsourcing arrangements, and strategic initiatives.

Key Responsibilities

Risk Management Framework and Governance:

· Framework Implementation: Implement and maintain a comprehensive Risk Management Framework for the Brazilian regulated entity.

· ERM Governance: Establish the company’s Enterprise Risk Management (ERM) governance in accordance with Central Bank of Brazil (BCB) requirements.

· Second-Line Independence: Operate independently from commercial functions as part of the second line of defense, providing objective challenge and oversight of material risks.

Risk Assessment and Prudential Oversight:

· Prudential Risk: Conduct and document prudential risk assessments, including the identification, evaluation, monitoring, and escalation of relevant prudential risks.

· Operational Risk: Conduct and document operational risk assessments across business processes, systems, products, third-party relationships, and critical operations.

· Liquidity and Capital Risk: Conduct and document liquidity and capital risk assessments, including forward-looking analysis, stress considerations, and the adequacy of available financial resources.

Risk Appetite, Policies and Monitoring:

· Risk Appetite Statement: Develop, maintain, and periodically review the Risk Appetite Statement (RAS), ensuring alignment with the company’s strategy, business model, and regulatory obligations.

· Risk Policies and Procedures: Develop and maintain risk policies, standards, procedures, methodologies, and supporting controls.

· Risk Registers: Create and maintain enterprise and functional risk registers, ensuring risks, owners, controls, action plans, and residual risk ratings are clearly documented.

· Key Risk Indicators: Define, maintain, and monitor Key Risk Indicators (KRIs), thresholds, limits, and escalation triggers.

· Risk Profile Monitoring: Monitor the institution’s risk profile against the approved risk appetite and promptly escalate material breaches, emerging risks, or adverse trends.

Management and Board Reporting:

· Risk Reporting: Prepare clear, accurate, and timely reports for senior management and the Board regarding the institution’s risk profile, material exposures, risk appetite utilisation, emerging risks, and remediation progress.

· Governance Forums: Support risk committees and governance forums by preparing materials, presenting risk assessments, recording decisions, and tracking agreed actions.

Regulatory Reporting and Engagement:

· Regulatory Filings: Support regulatory filings, disclosures, information requests, and risk-related submissions required by the BCB and other applicable Brazilian authorities.

· Regulatory Reviews: Provide risk management input during regulatory reviews, inspections, audits, and supervisory engagements, and coordinate the timely delivery of supporting evidence.

· Regulatory Developments: Monitor relevant developments in Brazilian prudential and risk management regulation and assess their impact on the entity’s governance, policies, controls, and capital or liquidity position.

New Products, Outsourcing and Change Risk:

· Risk Review: Review new products, business initiatives, material changes, and outsourcing arrangements from a risk perspective before implementation.

· Risk Appetite Alignment: Assess whether proposed activities remain within the approved risk appetite and whether appropriate controls, governance, resources, contingency arrangements, and monitoring mechanisms are in place.

· Risk Mitigation: Advise stakeholders on risk mitigation requirements and document risk acceptance, escalation, or approval decisions where appropriate.

Cross-Functional Coordination and Remediation:

· Cross-Functional Coordination: Coordinate with Compliance, Legal, Finance, Operations, and Technology to ensure effective risk controls and clear ownership of risk management actions.

· Remediation Oversight: Monitor implementation of remediation actions arising from audits, operational incidents, control deficiencies, risk assessments, and regulatory inspections.

· Action Tracking and Escalation: Track remediation milestones, challenge delays or inadequate responses, and escalate overdue or material matters to senior management and the Board.

Qualifications & Experience

· Senior Risk Experience: Minimum 5-7 years of senior experience in Enterprise Risk Management, prudential risk, financial risk, and/or operational risk.

· Brazilian Regulatory Expertise: Strong knowledge of Central Bank of Brazil (BCB) risk management regulations and the prudential expectations applicable to regulated financial institutions in Brazil.

· Industry Experience: Relevant experience in banking, fintech, payments, or crypto/digital assets.

· Second-Line Capability: Demonstrated ability to operate independently from commercial functions in a second-line-of-defense capacity.

· Analytical and Communication Skills: Excellent analytical, problem-solving, stakeholder management, and written and verbal communication skills.

· Languages: Fluency in Portuguese and English.

· Education: Bachelor’s degree in Finance, Economics, Accounting, Risk Management, or a related field.

Highly Desirable

· ERM Implementation: Experience implementing an ERM framework from scratch, including governance, risk appetite, policies, risk registers, KRIs, reporting, and committee processes.

· Digital Asset Knowledge: Knowledge of crypto markets, digital assets, blockchain-enabled financial services, and associated operational and financial risks.

· Prudential Frameworks: Familiarity with Basel principles and prudential regulation, including capital, liquidity, operational resilience, and risk governance concepts.

· Regulatory Engagement: Experience dealing directly with regulators, including responding to supervisory requests, supporting inspections, and presenting risk matters to regulatory authorities.

What Success Looks Like

· A complete and proportionate ERM framework is implemented and demonstrably aligned with BCB requirements.

· Senior management and the Board receive reliable, decision-useful reporting on the entity’s current and forward-looking risk profile.

· Material risks, limit breaches, incidents, and control deficiencies are identified early, escalated appropriately, and remediated on time.

· Risk considerations are consistently integrated into product development, outsourcing, operational change, and strategic decision-making.