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Own the end‑to‑end US risk framework, including credit, market, liquidity, operational, financial crime and compliance, and serve as secretary to the US Board Risk Management Committee. Lead day‑to‑day management of the US risk surface and coordinate with global risk heads. Build and develop the US risk team and embed risk into product and technology decisions.
15+ years of US‑focused risk management in financial services, with deep knowledge of OCC, Fed and FDIC regulations and experience engaging senior regulators. Proven track record building or transforming a risk function from early stage to maturity. Advanced degree or professional certification (MBA, CFA, FRM) and strong stakeholder skills, especially with engineering and senior leadership.
The role provides independent oversight of all US risk disciplines, ensuring the company meets regulatory expectations and protects the business while enabling growth. It connects the US operation to the board, senior committees and global risk leaders, shaping the risk culture across Nu. Effective risk governance is critical to Nu’s mission of fighting complexity and scaling its fintech platform.
A senior executive who thrives in ambiguous, high‑growth environments and can build structure from scratch. Someone hands‑on, comfortable working with technology teams and capable of speaking directly to boards and regulators. Candidates from fintechs or challenger banks with a track record of scaling risk functions are ideal.
About Nu
Nu serves more than 140 million customers, guided by a mission to fight complexity and empower people. The company has been leading an industry transformation through innovative products and human-centered services.
Proprietary technology and data at scale power Nu’s digital platform, built to promote financial access, advancement, and transparency. Its business model thrives on customer love and lower costs, feeding a flywheel of growth and profitability.
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About the Team
The Global Risk function at Nu is structured around two dimensions: country risk officers (horizontal) and global functional heads by risk discipline (vertical). This matrix creates a "risk surface" that allows the organization to scale efficiently without duplicating senior expertise across geographies.
The Head of Risk US will lead the US risk surface, owning all risk disciplines locally while maintaining close coordination with global functional heads: Global Credit Risk, the Global Market and Liquidity Head, and other risk domain leads.
The US risk team is in its early stages, with existing members covering Compliance, Financial Crime/AML, Regulatory, and is expected to grow in line with the business. This is a build-from-scratch opportunity for a senior executive who thrives in dynamic, high-growth environments.
About the Role
The Head of Risk US is a senior executive responsible for the effective and independent oversight of all risk disciplines within Nu's US operation.
The role requires a leader who understands the US regulatory landscape deeply, can engage independently with regulators and senior governance bodies, and is capable of building a high-performing risk function in a fast-moving fintech environment.
This is a high-visibility, high-impact position that will interact frequently with the US Board/Risk Committee, senior regulators, and Nu's executive leadership team.
Risk Framework & Governance
Regulatory Engagement
Risk Surface Management
Team & Stakeholder Leadership
Professional Experience & Education
Competencies & Attributes
Work Setup
Location
Miami, US
Washington, US
Work model
Expected: 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/
Our recruitment process may involve the use of artificial intelligence–enabled tools, such as automated interview transcription and analysis, to support the evaluation process. Artificial intelligence is not used to make final hiring decisions; all decisions are made by human reviewers.
To maintain a consistent and fair process for every candidate, Nu does not provide individualized technical feedback. See how our policy works here
