---
title: 'FinCrime Analyst at ARQ'
canonical: 'https://feeny.ai/job/fincrime-analyst-arq-sao-paulo-rgjevd8p5d35'
type: 'job'
last_seen: '2026-09-11'
---

# FinCrime Analyst at ARQ

- **Company:** ARQ
- **Location:** São Paulo, Brazil
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-02
- **Last confirmed live:** 2026-09-11
- **Apply:** https://jobs.ashbyhq.com/ARQ/ae5b02b9-6be0-4805-a423-458378161d89/application

**Skills:** KYC software, Jumio, Persona, AML, Transaction monitoring, Fraud detection, Biometric analysis, PEP analysis, Sanctions screening, Compliance, Financial Fraud Investigations, Fintech, Financial Services

> The FinCrime Analyst investigates financial crime alerts related to KYC discrepancies, PEPs, sanctions, and transaction monitoring. The role involves analyzing suspicious activity, optimizing AML processes, and collaborating with compliance teams to ensure regulatory adherence in a fast-paced fintech environment.

## Job description

## About ARQ

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the infrastructure to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

## What we're looking for

We are looking for a hands-on, detail-oriented FinCrime Analyst who takes ownership, works diligently, and thrives in a fast-paced, dynamic environment. In this role, you will be on the front lines of financial crime prevention, investigating and responding to alerts related to KYC/KYB discrepancies (e.g., biometric mismatches, fake documents, irregular IDs using Jumio and Persona), as well as PEP/Sanctions/Warnings and transaction monitoring alerts. You’ll investigate suspicious activity, review and refine transaction monitoring processes, and respond with the assistance of the Compliance Officer to regulatory requests, ensuring compliance while strengthening our AML framework. Collaboration is key—you’ll work with compliance, risk, and operations teams to refine AML prevention strategies and stay ahead of evolving regulations. If you're passionate about fintech, compliance, and making a real impact, we’d love to have you on board!

## What you'll be doing

- Investigate and analyze KYC alerts related to biometric mismatches, fake documents, and irregular IDs using KYC software (e.g., Jumio and Persona) to detect fraudulent activity
- Conduct investigations on PEP (Politically Exposed Persons), Sanctions, and Warnings alerts, ensuring proper risk assessment and compliance with regulatory requirements
- Review, enhance, and optimize transaction monitoring processes to improve detection and reporting of suspicious activities
- Investigate unusual transactional behavior, such as structuring, layering, or irregular cross-border transfers, and escalate as needed
- Respond to requests from regulatory authorities in a timely, accurate, and compliant manner
- Collaborate closely with compliance, risk, and operations teams to strengthen AML controls, improve risk detection, and ensure adherence to internal policies
- Monitor financial crime trends and patterns, leveraging insights to refine AML procedures and strengthen prevention mechanisms
- Stay up to date with evolving AML regulations, industry best practices, and compliance requirements, ensuring the company remains compliant with local and international laws

## What you'll need

- Fluency in Portuguese/English – Required for handling compliance matters, liaising with authorities, and collaborating with internal teams
- Ability to investigate and analyze KYC discrepancies – Experience with biometric mismatches, fake documents, and tools such as Jumio and Persona
- Strong knowledge of AML & financial crime risks – Understanding of transaction monitoring, typologies, and fraud detection to ensure robust compliance practices
- Hands-on & results-driven mindset – Willing to dive deep into investigations, improve monitoring processes, and take action to strengthen AML frameworks

Nice-to-haves

- Experience in Compliance, AML, or Financial Fraud Investigations – Helps accelerate learning and enhances risk assessment and regulatory responses
- Experience in Fintech or Financial Services – Familiarity with digital payments and the regulatory challenges of fast-scaling financial institutions

## Benefits

- Competitive salary
- Discretionary performance bonus
- Paid annual leave
- Latest technology to work with
- Strong team that will help you improve your skills

## About ARQ

## Company Overview
- **One-liner**: ARQ (formerly DolarApp) is a global fintech platform that provides multi-currency accounts, real-time currency conversion, and investment access to US stocks and ETFs for individuals across the Americas.
- **Entity Type**: Private (funding stage not disclosed; raised tens of millions from top-tier investors)
- **Headquarters**: Not publicly available (serves the Americas; localized sites for Argentina and Mexico)
- **Founded**: 2021
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Fintech – cross‑border banking, payments, wealth management
- **Target customers**: B2C – travelers, investors, professionals, and global citizens in Latin America and beyond
- **Mission**: “Modern finance for the global era” – to give customers control over their money with faster, cheaper, and more transparent financial rails.

## Products & Services
- **ARQ Multi‑Currency Account**: A digital account supporting USD, EUR, and local currencies (e.g., Argentine peso, Mexican peso). Users can convert between currencies at real market rates with no hidden fees.
- **ARQ Debit Card**: A Mastercard (inferred) for spending at leading conversion rates with zero commission or hidden charges.
- **ARQ Investments**: Access to US stocks and ETFs directly from the ARQ account, enabling long‑term wealth building.
- **Payment Rails**: US and European local account details to receive and send payments globally.

## Market Standing
- **Valuation**: Not publicly available
- **Key Metric (Private)**: Total funding – “tens of millions of dollars” from renowned investors; 2 million users as of 2026-07-01
- **Notable Investors**: Sequoia Capital, Founders Fund, Brevan Howard Digital, Y Combinator, Kaszek Ventures
- **Growth Signals**: Rebranded from DolarApp to ARQ in 2024 (per Sequoia partnership date); rapid user growth (2M people); expansion across the Americas; product diversification into investing.

## Competitive Advantages
- **Transparent pricing**: Real market conversion rates, no hidden fees – a stark contrast to traditional banks
- **Global accounts**: Users get US and EU bank details and a debit card usable worldwide
- **World‑class backing**: Sequoia, Founders Fund, YC, etc. provide credibility and strategic support
- **Elite team**: Small, high‑caliber team with experience at Revolut, Uber, Amazon, Block, and UBS, enabling fast execution
- **Vertical integration**: Combining payments, currency exchange, and investing in one app

## Strategic Focus
- **Build the financial system of the next century** – replace legacy banking middleware with direct, customer‑owned rails
- **Scale across the Americas** – starting in Argentina and Mexico, then expanding to other markets
- **Deepen wealth management** – add more asset classes and long‑term savings tools
- **Maintain a lean, high‑impact team** – “small teams with the best talent outcompete massive companies”

## Why Work Here
- **Culture**: “Long‑term ambition and absolute conviction”; “nimble, but ambitious” – the careers page describes a mission‑driven, execution‑focused environment
- **Team & autonomy**: Small teams own meaningful product areas; high ownership and rapid iteration
- **Remote/office**: Not explicitly stated, but likely hybrid or remote‑friendly given the global nature of the business
- **Notable**: Founders and early employees have built profitable products at iconic companies; strong emphasis on “world‑class in everything we do”
- **Perks**: Not publicly disclosed, but likely competitive compensation and equity in a high‑growth fintech

## Sources
1. [arqfinance.com](https://www.arqfinance.com/en-AR)
2. [jobs.ashbyhq.com/arq](https://jobs.ashbyhq.com/arq)
3. [sequoiacap.com/companies/arq/](https://sequoiacap.com/companies/arq/)
4. [arqfinance.com/en-AR/careers](https://www.arqfinance.com/en-AR/careers)

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