Consumer Compliance and CRA Analyst

About the team

At Nubank, Compliance is a strategic partner-not a tollgate. We view effective Risk Management & Compliance as the engine that maintains agility and empowers rapid, responsible growth across multiple global markets. Our team partners directly with internal clients using a targeted friction approach: we focus on the most relevant regulatory risks and embed compliance directly into product design rather than distributing rules after the fact.

The Global Compliance function serves as the Second Line of Defense, responsible for the full regulatory lifecycle: tracking new regulations, advising product and technology teams, testing controls, coordinating regulatory inspections, and monitoring remediation of regulatory issues.

This role is positioned at a pivotal moment. Nubank has received conditional approval for a US National Bank Charter. Should the charter be approved, this person will help build and operationalize the compliance and Community Reinvestment Act (CRA) infrastructure for a de novo national bank. In the near term, the role focuses on charter readiness-including supporting the development of the organizing bank''s proposed CRA strategy-and on strengthening Nubank''s consumer compliance posture under its current US operating model. The role requires someone who can build from scratch, own outcomes, and operate with an entrepreneurial mindset in a highly regulated environment.

Job Summary

We are seeking an experienced Compliance Analyst with 5-8 years of dedicated compliance, risk, or audit experience at a regulated US financial institution or bank. This role carries primary ownership of Community Reinvestment Act (CRA) support and consumer protection compliance across Nubank''s US deposit and unsecured lending products (personal loans and credit cards).

The CRA dimension of this role is central. Working within the Second Line of Defense, this person supports the oversight of CRA program execution and engages directly with community stakeholders to help assess local credit and community development needs. In the near term, and as part of charter readiness, this person will help drive the development of the proposed CRA Strategic Plan for the organizing bank.

This person reports to the Head of US Compliance, who is expected to serve as the bank''s CRA Officer upon charter approval. The role provides direct support to that function.

The ideal candidate independently interprets and applies complex regulatory frameworks, translates regulatory requirements for cross-functional and business audiences, and develops proactive strategies to mitigate compliance risk. This person does not wait for direction-they identify issues, propose solutions, and drive them to completion.

Please note: This is a consumer compliance and CRA role. It is not a BSA/AML role. While a general awareness of the broader regulatory environment is useful, this position does not focus on anti-money laundering, sanctions, or financial crimes compliance. Candidates whose primary experience is in BSA/AML should review the focus areas below carefully before applying.

What you will do

Community Reinvestment Act (CRA)

• Support the development of the proposed CRA Strategic Plan for the organizing bank as part of charter readiness, including helping define assessment areas, measurable performance goals, and community development objectives appropriate to a digital banking model.
• Engage directly with community organizations, nonprofits, local stakeholders, and community development practitioners to assess local credit and community development needs, and document those needs to inform the bank''s CRA strategy.
• Support the Second Line oversight of CRA program execution, including monitoring and providing effective challenge to the First Line on the adequacy of CRA-related activities, controls, and documentation.
• Support the public engagement and comment process associated with the CRA Strategic Plan, should the bank pursue the strategic plan evaluation option.
• Establish and maintain CRA records, data, and documentation to support performance evaluation readiness and examination preparedness.
• Monitor CRA-related regulatory developments and supervisory expectations, and advise on implications for the bank''s strategy and operations.

Compliance Advisory

• Independently advise business partners on new product initiatives, marketing campaigns, servicing processes, and system implementations to identify and mitigate compliance risk before deployment.
• Provide effective challenge to the First Line of Defense (Business Operations, Marketing, Product) on the design and adequacy of compliance controls, policies, and procedures.
• Interpret and apply federal and state consumer protection laws to diverse and complex business scenarios, offering actionable compliance solutions-not just risk flags.
• Assess the compliance and regulatory impact of internal operational events, audit findings, and external regulatory changes; develop and drive remediation plans in coordination with the First and Third Lines of Defense.
• Translate complex regulatory requirements into plain-language guidance for cross-functional teams, business leadership, and where applicable, external stakeholders (e.g., partner banks, regulators).
• Monitor emerging consumer banking trends, proposed rulemaking, and enforcement actions to proactively identify risks and advise the business on implications.

Charter Readiness & Compliance Infrastructure

• Support the build-out of compliance and CRA infrastructure appropriate for a de novo national bank under OCC supervision, including policies, procedures, monitoring, testing, training, and recordkeeping. Activities are conducted in preparation for potential operations as a national bank, subject to charter approval.
• Identify gaps in current compliance processes that would require enhancement or replacement under direct charter operations.
• Conduct and contribute to compliance gap analyses comparing current processes, policies, and controls against OCC supervisory expectations for a de novo national bank; support the development of remediation roadmaps to close identified gaps.
• Partner with Legal, Risk, and Operations to support readiness for potential OCC examinations and supervisory expectations, as well as potential examinations or inquiries from other regulators (e.g., CFPB, state regulators).
• Execute compliance activities in alignment with Nubank''s Global Compliance standards, frameworks, and methodologies, adapting them as needed for US regulatory requirements.

Mentoring & Knowledge Sharing

• Mentor junior compliance team members and cross-functional partners on evolving regulatory landscapes, sharing insights and best practices.
• Create and maintain compliance training materials, reference guides, and knowledge-base documentation to build institutional regulatory knowledge.

What we are looking for

Required

• 8-10 years of dedicated compliance, risk, or audit experience within a US financial institution or bank.
• Direct working experience with the Community Reinvestment Act (CRA), including familiarity with assessment area definition, community development activities, performance evaluation, recordkeeping, and-ideally-the CRA strategic plan option.
• Experience engaging with community organizations, community development practitioners, or local stakeholders to identify and respond to community credit needs.
• Bachelor''s degree in Finance, Law, Business Administration, or a related field.
• Deep working knowledge of US consumer compliance regulations, including ECOA/Reg B, TILA/Reg Z, UDAAP (Section 5 FTC Act / Dodd-Frank §1031), and EFTA/Reg E. Familiarity with FCRA/Reg V, GLBA/Reg P, and broader US banking regulations is a plus.
• Demonstrated ability to independently interpret regulatory requirements and apply them to complex, ambiguous business scenarios-not just follow established playbooks.
• Experience providing compliance advisory to product, technology, or business teams in a fast-paced environment.
• Track record of building or materially improving compliance processes, controls, or monitoring programs (not just operating within existing ones).
• Strong judgment, integrity, and discretion in handling sensitive and confidential matters.
• Ability to communicate complex regulatory topics clearly to non-compliance audiences.
• Comfort operating with a high level of autonomy while knowing when to escalate.

Preferred

• Experience with Fair Lending compliance, including ECOA/Reg B monitoring, fair lending risk assessments, or disparate impact / disparate treatment analysis.
• Experience with consumer complaints oversight, including complaint program design, root cause analysis, and trend reporting.
• Experience with compliance testing, monitoring, or quality assurance for deposit, credit card, or personal loan products.
• Experience at a de novo bank, BaaS arrangement, or fintech-bank partnership where compliance or CRA infrastructure was being built or materially enhanced.
• Familiarity with OCC supervisory expectations, examination processes, and heightened standards for de novo institutions.
• Understanding of how banking technology, automated decisioning, and data practices intersect with consumer protection requirements.
• Professional certification: CRCM, CCEP, or similar.

Work Model for this Role

• Hybrid 2-3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/