Senior Counsel, Regulatory Legal – Latin America (Payments & Digital Assets)

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 Us

Nu is one of the largest digital financial platforms in the world, with more than 127 million customers across Brazil, Mexico, and Colombia. Guided by our mission to fight complexity and empower people, we are redefining financial services in Latin America and this is still just the beginning of the purple future we're building.

Listed on the New York Stock Exchange (NYSE: NU), we combine proprietary technology, data intelligence, and an efficient operating model to deliver financial products that are simple, accessible, and human.

Our impact has been recognized by global rankings such as Time 100 Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Bank. Visit our institutional page https://international.nubank.com.br/careers/

About the role

As Senior Counsel, Regulatory Legal – Latin America, you will be the legal voice on how Nu's payments and digital-assets products can operate, launch and scale across the region. You will define where licenses, registrations or regulated entities are required, and turn that analysis into a clear recommendation the business can act on.

This is a legal and regulatory strategy role, not a compliance operations role. You will work with Product, Compliance, Public Policy, Risk, Treasury and business leaders on new products and new markets, in an environment where regulation is moving faster than the product. You will own the regulatory path for what we build next, and you will be expected to say "here is the path I recommend", not just "here are the risks".

You'll be responsible for

• Advising on regulatory legal strategy for payments, money movement, wallets, stored value, digital assets, stablecoins and related products across Latin America.

• Building and maintaining a country-by-country view of the regulatory perimeter: which activities require licenses, registrations, approvals or local regulated entities.

• Leading the legal analysis for entry into new markets and for the launch of new products, features and business models.

• Working with Product and business teams to structure products in line with applicable law, and proposing alternative structures when the initial model hits a regulatory obstacle.

• Coordinating license and registration applications (payments, financial services, virtual assets) and supporting engagement with regulators, central banks and other authorities, including on novel issues.

• Managing local external counsel while remaining accountable for synthesizing their input into a practical recommendation.

• Creating scalable frameworks, playbooks and decision trees so recurring questions are answered consistently across markets.

• Monitoring regulatory developments and separating what materially affects our strategy from general noise, and anticipating where regulation is heading on stablecoins, tokenized money, crypto-assets and new payment infrastructure.

• Briefing senior legal and business leaders on complex regulatory topics in clear, concise and commercially useful terms.

• Acting as a generalist legal business partner for new businesses in Latin America, coordinating a holistic legal approach, including support on agreements related to our products.

We are looking for someone who has

• Qualified as a lawyer, holding the local bar license in the country where you will be based.

• In-house experience at a fintech, payments, crypto/digital-assets or banking company, where you personally worked through regulatory, licensing and market-entry questions in Latin America.

• Hands-on experience with payments regulation and licensing, and with digital assets, crypto, stablecoins or blockchain-based financial products.

• Experience analyzing and comparing regulatory regimes across several Latin American jurisdictions, not a single-country specialty, with familiarity with the South American regulatory landscape.

• A solid understanding of how payments, banking, securities, FX and digital-asset regulation interact.

• Experience taking part in obtaining or maintaining financial-services, payments or digital-asset licenses or registrations.

• Experience breaking down complex product architectures and money flows to pinpoint the core regulatory question, and the judgment built along the way to know when to escalate, bring in external counsel or engage a regulator, and when the business can simply move forward.

• A track record of briefing senior legal and business leaders on technical regulatory topics, turning them into clear, actionable recommendations.

• Experience as a senior, autonomous legal partner to Product and business teams in fast-moving environments, owning ambiguous problems and finding a compliant path forward instead of only flagging risks.

• Fluent English and Spanish.

Nice to have

• Direct work with financial regulators or central banks, or prior experience at a financial-regulatory law firm, central bank or regulator.

• Experience in regulatory policy for digital assets and payments.

• Banking or credit regulatory background combined with curiosity about digital assets.

• Familiarity with additional Latin American markets.

Location for this opportunity

• Buenos Aires, Argentina

• São Paulo, Brazil

• Bogotá, Colombia

Our Benefits

Brazil

• Chance of earning equity at Nubank

• Food/ Meal Card (Vale-Refeição and/or Vale Alimentação)

• Public Transportation Commuting Benefit (Vale-Transporte)

• NuCare – Psychological, Financial and Legal Assistance Program

• Life Insurance

• Medical Plan

• Dental Plan

• NuLanguage – Language Course Program

• Nucleo - Our learning platform of courses

• Extended Parental Leave

• Daycare Allowance

• Parental Consultancy

• Work-from-home Allowance

• Gym Partnerships

• 30 days of paid vacation

• Relocation Assistance Package, if applicable

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/

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