dLocal is a leading cross-border payment processor specializing in emerging markets across Latin America, Asia, and Africa. The company provides a single API platform that enables global enterprise merchants to accept and send payments using local methods, serving major tech giants like Amazon, Microsoft, and Google. As a publicly traded company on NASDAQ, dLocal operates at a massive scale, facilitating complex financial transactions in high-growth regions.

In Spain, dLocal maintains a strategic hub in Madrid that serves as a key center for its European and global operations. The company is highly relevant for international professionals due to its multicultural workforce and English-centric business environment. Their Madrid office offers a dynamic fintech atmosphere where employees work on global-scale infrastructure, making it an ideal destination for expats looking to build a career in international finance and technology.

Founded in 2016 in Montevideo, Uruguay, dLocal was created to solve the complexity of payments in emerging markets. It became Uruguay's first unicorn in 2020 and successfully launched its IPO on NASDAQ in 2021.

Transaction Monitoring Lead - LATAM

dLocal

Requirements

What skills do I need?

5+ years in FCC / AML/CFT with a strong TM focus

4+ years leading compliance teams

End-to-end TM experience: rules, triage, case management, SAR/STR filing

Experience with TM platforms and pre-transaction rules engines

LATAM regulatory knowledge: AML/CFT laws, FIU requirements, sanctions

Cross-functional ability with data, engineering, and product teams

Fluent English; Spanish and/or Portuguese preferred

Nice to have: compliance automation experience, SQL/dashboards, crypto AML/CFT, ACAMS/ICA certification

Original Advert

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?

A hands-on leadership role at the intersection of compliance, data, and technology. You will own the LATAM Transaction Monitoring framework end-to-end, improving pre- and post-transaction controls, and acting as the key point of contact for stakeholders, partners, and regulators.

What will I be doing?

Leadership & Stakeholders

Lead the LATAM TM team and ensure performance
Liaise with local compliance officers, regional FCC leads, and the Global Head of TM
Be the main contact for partners, banks, and payment providers on TM matters
Coordinate responses to audits and regulatory inquiries across LATAM

Controls & Platforms

Own configuration and tuning of pre- and post-transaction monitoring rules
Partner with Data Compliance to design and improve ML-based detection models
Oversee L1/L2 alert investigation, RFI management, and complex case decisioning
Manage SAR/STR filing strategies and timely submission to local FIUs

Automation & Technology

Lead the strategy and roadmap for agentic transaction monitoring and CDD controls, partnering closely with Data Compliance and Product to design, prioritise, and drive implementation - translating compliance requirements into clear specifications and ensuring delivered solutions meet regulatory and operational standards.

Reporting & QA

Own KPIs for the LATAM TM team, ensuring adherence to business targets and industry benchmarks. Hold accountability for team performance

Run a rigorous monthly QA programme on all agentic and human reviewed cases, with a strong focus on maintaining investigation quality and consistency standards across the team.

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?