Consumer Compliance and CRA Analyst

About the team At Nubank, Compliance is a strategic partner—not a tollgate. We view effective Risk Management and 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