Banco Fibra

Risk

• Partner with business areas to identify, assess, and mitigate operational risks
• Contribute to protecting the institution’s financial standing and reputation
• Create and monitor key risk indicators (KRIs) to flag deviations
• Manage incidents by identifying root causes and defining action plans with the relevant stakeholders
• Promote a risk-aware culture throughout the institution
• Conduct risk and control self-assessments for the processes included in the annual schedule
• Classify risks and assess controls, including design effectiveness and operating effectiveness testing when necessary
• Implement and manage the bank’s operational risk loss database for submission of CADOC 5050
• Enhance operational risk management dashboards by creating management and executive views
• Prepare regulatory reports, including effectiveness testing for AML/CFT and suitability

Operational Risk and Internal Controls Specialist

Analyst

• Identify, investigate, and mitigate fraud risks throughout the origination workflow and across the contract lifecycle
• Monitor and analyze payroll-deductible loan transactions to identify indicators of document fraud, identity fraud, coercion, and internal/external fraud
• Investigate alerts generated by antifraud models and rules, consolidating evidence and technical assessments
• Validate the consistency of registration data, biometrics, available payroll-deduction margin, and agreement/processing-agent data throughout the origination workflow
• Propose and implement improvements to antifraud rules, scores, and controls in collaboration with Risk, IT, and business teams
• Automate control and monitoring routines, including data extraction, cross-referencing, and validation
• Develop and maintain dashboards for fraud indicators and control effectiveness
• Prepare periodic reports for Risk, Compliance, and executive management
• Support internal and external audits and responses to BACEN inquiries related to fraud
• Track fraud trends and modus operandi in the payroll-deductible lending market

Fraud Prevention Analyst – Mid-Level

• Conduct company registration, corporate structure, and financial analyses to support the corporate credit approval process
• Identify risks, payment patterns, and indicators of clients’ financial health
• Prepare technical opinions and recommendations to support decision-making on credit transactions
• Prepare materials and presentations for discussion and deliberation by credit committees
• Ensure that analyses comply with the institution’s internal policies, standards, and procedures
• Ensure the integrity, quality, and accuracy of clients’ registration information
• Contribute to the continuous improvement of processes and controls related to credit analysis and client registration

Operational Risk and Internal Controls Specialist

Fraud Prevention Analyst – Mid-Level

Credit Analyst, Mid-Level