ARQ

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 As a Backend Engineer, you’ll design, develop, and maintain scalable, secure, and high-performing backend systems that power our innovative products. You’ll collaborate with a talented team to create solutions that drive financial inclusion and transform the way people manage their money. What you'll be doing The work will focus on greenfield development and improvement of existing systems Projects will include building REST APIs, engineering microservices and evolving a number of systems that our business depends on (e.g. card payments, treasury management, transactions booking, crypto liquidity) Our technology stack is based predominantly on Java 25 on the backend with Postgres database We rely on Spring Boot for quick and quality delivery We have a pragmatic approach to develop our business logic, focusing on clean code, with emphasis on maintainability and fast turnaround with TDD, DDD and continuous integration & delivery What you'll need Demonstrable experience in Backend development, with fluency in Java Bachelor's Degree (or above) in Computer Science, Mathematics, Physics, or other Engineering / Science disciplines Quick learner with an ambitious and results driven personality, with excellent communication skills (english fluency, verbal and written) Track record of building complex products that millions of people use in hypergrowth startups Benefits Competitive salary Own the development process that will face on the customer's impact Latest technology to work with Strong team that will help you improve your skills

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 As a Backend Engineer, you’ll design, develop, and maintain scalable, secure, and high-performing backend systems that power our innovative products. You’ll collaborate with a talented team to create solutions that drive financial inclusion and transform the way people manage their money. What you'll be doing The work will focus on greenfield development and improvement of existing systems Projects will include building REST APIs, engineering microservices and evolving a number of systems that our business depends on (e.g. card payments, treasury management, transactions booking, crypto liquidity) Our technology stack is based predominantly on Java 25 on the backend with Postgres database We rely on Spring Boot for quick and quality delivery We have a pragmatic approach to develop our business logic, focusing on clean code, with emphasis on maintainability and fast turnaround with TDD, DDD and continuous integration & delivery What you'll need Demonstrable experience in Backend development, with fluency in Java Bachelor's Degree (or above) in Computer Science, Mathematics, Physics, or other Engineering / Science disciplines Quick learner with an ambitious and results driven personality, with excellent communication skills (english fluency, verbal and written) Track record of building complex products that millions of people use in hypergrowth startups Benefits Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) Paid annual leave Own the development process that will face on the customer's impact Latest technology to work with Strong team that will help you improve your skills

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 you'll be doing Lead infosec regulatory compliance for our Argentina entities Act as the designated security responsible with local regulators, prepare audit responses, and engage directly in Spanish Detection & Response - build and tune detection rules and alert pipelines in our SIEM, map coverage to MITRE ATT&CK, and own incident response playbooks and tabletop exercises Cloud Security - assess and harden cloud infrastructure (AWS, Kubernetes), drive posture management, and close identified gaps across our cloud environments Application Security - contribute to threat modelling, secure code review, CI/CD pipeline security, and penetration testing coordination Identity & Access Management - drive least-privilege enforcement, oversee provisioning/deprovisioning automation, and improve entitlement review processes Endpoint & Network Security - oversee EDR deployment and coverage, enforce device compliance policies, and validate endpoint controls Data Protection - define and implement DLP controls across collaboration tools, cloud storage, and internal platforms Threat Intelligence - monitor external threat feeds, track brand exposure, and integrate intelligence into detection and response workflows Security Governance - support vendor due diligence, contribute to policy development, and maintain compliance evidence for audits (SOC2, regulatory) What you'll need 7+ years in information security with hands-on technical depth — this is not a purely managerial role Strong cloud security background (AWS, Kubernetes) and experience with SIEM platforms Experience interfacing with financial regulators and leading compliance audits Full professional fluency in Spanish - you will represent the company with regulators

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. The Role As our Compliance Officer, you’ll own the local compliance program in Brazil, ensuring adherence to both local and international standards. You’ll monitor regulatory changes, manage investigations, and act as the key liaison with regulators, auditors, and banking partners. This is a hands-on role: you’ll lead KYC/AML investigations, oversee suspicious activity reporting, and collaborate with risk, operations, and product teams to embed compliance into everyday processes. What You’ll Do Investigations: Review KYC alerts, biometric mismatches, and potential fraud using Receita Federal, SERPRO, and KYC tools (Jumio, Persona). Regulatory Reporting: Prepare and submit COS filings to COAF, maintain CCS reports, and support other regulatory obligations (e.g., SISBAJUD). Transaction Monitoring: Assess suspicious activities across PIX, TED/DOC, and interoperable wallets; escalate financial crime risks. Sanctions & Screening: Monitor PEP, sanctions, adverse media alerts, and review limit increase requests in line with COAF and Banco Central do Brasil requirements. Process Improvement: Enhance monitoring and reporting controls to detect and mitigate emerging threats. Compliance Culture: Work with internal teams to strengthen AML/CFT controls and align with Banco Central directives and COAF guidelines. Stakeholder Management: Serve as the main point of contact with regulators, auditors, and banking partners, ensuring clarity and transparency. What We’re Looking For Fluency in Portuguese & English. Proven experience with COAF regulatory reporting (COS, CCS, SISBAJUD). Strong knowledge of AML/CFT frameworks, Banco Central Circular 3978, PIX-related fraud, FATF standards. Experience in audits, inspections, and risk assessments with Banco Central and COAF. Expertise in KYC controls (IDs, biometrics, SERPRO, sanctions, adverse media). Confidence engaging with regulators and external authorities. Hands-on, detail-oriented, and proactive mindset. Nice-to-Haves AML/compliance certifications (e.g., CAMS, ICA). Regional LATAM compliance experience. Knowledge of fintech, PIX, TED/DOC, and digital wallets. Understanding of digital assets regulation (COAF, FATF). Experience building or scaling compliance programs. What We Offer Competitive Salary Performance bonus based on KPIs Equity options Paid annual leave & healthcare Latest tools & technology Collaborative, high-growth fintech environment

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. The Role As our Compliance Officer, you’ll own the local compliance program in Colombia, ensuring adherence to both local and international standards. You’ll monitor regulatory changes, manage investigations, and act as the key liaison with regulators, auditors, and banking partners. This is a hands-on role: you’ll lead KYC/AML investigations, oversee suspicious activity reporting, and collaborate with risk, operations, and product teams to embed compliance into everyday processes. What You’ll Do Investigations: Review KYC alerts, biometric mismatches, and potential fraud using official databases (Registraduría Nacional, DIAN) and KYC tools (Jumio, Persona). Regulatory Reporting: Prepare and submit ROS and other filings via SIREL to UIAF; ensure timely responses to UIAF, SFC, DIAN, and law enforcement requests. Transaction Monitoring: Assess suspicious transactions, monitor PEP/sanctions/adverse media alerts, and escalate risks appropriately. Process Improvement: Enhance and optimize monitoring and reporting controls to detect and mitigate emerging threats. Compliance Culture: Work with internal teams to strengthen AML/CFT controls and ensure regulatory requirements are fully integrated into operations. Stakeholder Management: Serve as the main point of contact with regulators, auditors, and banking partners, ensuring clarity and transparency. Must-Haves: Fluency in Spanish & English. Proven experience with UIAF regulatory reporting (ROS, SIREL). Strong knowledge of AML/CFT frameworks (SAGRILAFT, SIPLAFT, FATF standards). Experience in audits, inspections, and risk assessments with regulators. Expertise in KYC controls (IDs, biometrics, sanctions, adverse media). Confidence engaging with regulators and external authorities. Hands-on, detail-oriented, and proactive mindset. Nice-to-Haves: AML/compliance certifications (e.g., CAMS, ICA). Regional LATAM compliance experience. Knowledge of fintech, payments, and digital assets regulations. Experience building or scaling compliance programs. What We Offer Competitive Salary Performance bonus based on KPIs Equity options Paid annual leave & healthcare Latest tools & technology Collaborative, high-growth fintech environment

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 you'll be doing Produce 2–4 videos per week, independently, about the main use-cases in BR at the moment (e.g. Travel, Wealth, Remote Work, new products). Stay on top of social media trends that can be used to generate new ideas / videos. Deliver premium-quality visuals — ideally from a filmmaker or creator background. Collaborate with the performance marketing team to test and iterate creative pieces. What you'll need Proven experience creating video content (e.g. Content creator, Filmmaker, etc). A portfolio showcasing organic or branded content with high production value. Creativity, agility, and ability to produce independently. Understanding of Brazilian digital cultur e (trends, humor, language, etc.). Pre-production: very strong creating new ideas and scripts. Production: Post-production: Great editing that feels high quality, dopaminic and aesthetically pleasing. Creative: able to produce creative videos, on a weekly basis. Good to have: Why join us Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) Paid annual leave Private health insurance Latest technology to work with Strong team that will help you improve your skills

About ARQ ARQ is one of the fastest-growing fintechs in the world. Since 2021, ARQ has been on a mission to redefine how Latin Americans manage their global finances. Our powerhouse of products – spending, exchanging, saving, investing, and more — are used already by 2M+ customers in the Americas, and this is your opportunity to be a crucial part of that transformation. Join a team of top talent from the world’s leading fintech and tech companies, and help build a cross-border financial system that’s modern, accessible, and built to scale. The Role We are looking for a Global Creative Director to define and lead ARQ’s creative globally . This is a foundational hire — the first senior creative in a company already operating at a high level across product, growth and engineering. Your role is to bring that same level of rigor, taste, and ambition to how ARQ shows up in the world. You’ll work across our markets leading global and local campaigns , and building the creative function around you (designers, copywriters, producers). You’ll partner closely with founders and leadership to ensure everything we put out is not just consistent, but distinctive and effective. What you'll be doing Define and lead ARQ’s global creative direction across brand, campaigns, content, and product storytelling. Shape and scale ARQ’s presence across markets - ensuring the brand is consistent, distinctive, and culturally relevant in every region. Lead global and local campaigns (ATL and digital), from concept to execution - across channels including TV, OOH, social, and emerging formats. Build and grow ARQ’s creative function from the ground up (designers, writers, producers, external partners) Establish strong relationships with creative partners, production companies, talent, and collaborators globally. Partner closely with growth, product, and leadership to translate business priorities into clear, high-impact creative work. Create the conditions for great work: clear direction, fast feedback, and high standards What you'll need 7+ years in creative roles across agency, brand, or hybrid environments. Experience building and leading high-performing creative teams Strong understanding of brand, storytelling, and cultural relevance across markets Mindset that sees creative as a driver of growth, not just expression Ability to direct across formats: campaigns, content, brand systems, and product storytelling Comfortable working in fast-paced, high-performance environments with high expectations and low ego Experience working with external partners: agencies, production, talent, or collaborators Fluency in English and Spanish is required. Portuguese is a strong plus.

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 you'll be doing Be a Customer Champion: Handle customer complaints swiftly and efficiently, providing tailored solutions within tight timeframes. Follow-up is crucial to ensure resolutions stick. Solve problems : solve problems our customers face by collaborating with the rest of the ARQ team, and come up with product proposals to decrease the workload. You will get things done : beyond the scope of work and priorities, it is in the DNA of our ARQ to do whatever it takes to win. What you'll need Fluency in English and Spanish and/or Portuguese, verbal and written At least 2 years of experience in Customer Support Problem Solving skills, being capable of breaking down a problem into sub components to find the root cause and optimal solution Eager to work hard and go the extra mile to make our customers happy Empathy - being able to interpret user’s concerns and help them in getting the best experience possible out of ARQ Resourcefulness, with attention to detail and due diligence Ability to work well as part of a team, driven, relentless and a proven closer - you don’t take no for an answer Benefits Competitive salary Discretionary performance cash bonus Latest technology to work with Strong team that will help you improve your skills

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 Spanish/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 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 you'll be doing Founders' Office team work closely with the founders to drive the most critical initiatives for the company. From growth to operations or AI – you will do whatever it takes to win: Be a rainmaker : you will work hand in hand with the founders. Beyond scope of work and priorities, it is in the DNA of ARQ to do whatever it takes to win Drive product and growth platforms : you will analyze product metrics and design + ship features to bring new value propositions to our customers, optimize funnels, and improve engagement and virality. Drive operations and AI : you will scope new payment rails, develop end to end partnerships, do customer support, analyze and resolve customer issues. Growth : you help execute local growth efforts - including community building, affiliate marketing, brand marketing and influencer marketing What you'll need 5-8 years of experience as an entrepreneur in a VC backed company, a top tier management consulting firm (BCG, Bain, McKinsey), or in a top tier investment bank (bulge bracket) Strong stakeholder management skills, able to bond with critical partners and manage customers needing support Excellent organisation, being able to find information about all areas of the company Resourceful, with maximum attention to detail and due diligence Strong analytical skills and taste for aesthetics Ability to work well as part of a team, driven, relentless and a proven closer - you don’t take no for an answer Business fluent in English; Spanish or Portuguese a plus Ideally, you are an expat (or have been an expat) living in London or willing to relocate (ARQ can sponsor your visa) Benefits Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) Latest technology to work with Strong team that will help you improve your skills

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 you'll be doing Founders' Office team work closely with the founders to drive the most critical initiatives for the company. From growth to operations or AI – you will do whatever it takes to win: Be a rainmaker : you will work hand in hand with the founders. Beyond scope of work and priorities, it is in the DNA of ARQ to do whatever it takes to win Drive product and growth platforms : you will analyze product metrics and design + ship features to bring new value propositions to our customers, optimize funnels, and improve engagement and virality. Drive operations and AI : you will scope new payment rails, develop end to end partnerships, do customer support, analyze and resolve customer issues. Growth : you help execute local growth efforts - including community building, affiliate marketing, brand marketing and influencer marketing What you'll need 3-7 years of experience as an entrepreneur in a VC backed company, a top tier management consulting firm (BCG, Bain, McKinsey), or in a top tier investment bank (bulge bracket) Strong stakeholder management skills, able to bond with critical partners and manage customers needing support Excellent organisation, being able to find information about all areas of the company Resourceful, with maximum attention to detail and due diligence Strong analytical skills and taste for aesthetics Ability to work well as part of a team, driven, relentless and a proven closer - you don’t take no for an answer Business fluent in English; Spanish or Portuguese a plus Ideally, you are an expat (or have been an expat) living in New York or willing to relocate (ARQ can sponsor your visa) Benefits Competitive salary - Between $140,000 - $180,000 base salary depending on seniority Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) Latest technology to work with Strong team that will help you improve your skills

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. The Role You will lead and scale ARQ’s regulated entity in your jurisdiction, owning P&L performance, regulatory compliance, and sustainable user and revenue growth. You will act as the accountable executive before regulators while driving revenue and commercial expansion in coordination with global teams. What you'll be doing You will be accountable for the regulated entity’s performance, compliance, and business growth within your jurisdiction, working together with global teams. Own end to end operational management of the regulated entity, including AML, KYC and KYB, fraud, safeguarding, complaints, regulatory reporting, internal controls, and audit readiness Ensure full compliance with local laws, license conditions, and internal policies, maintaining a robust risk management and control framework Manage strong relationships with supervisory authorities, while leading regulatory inspections and audits Own local P&L, driving revenue growth, margin optimization, and improved unit economics Support the global teams with local user acquisition, activation, and retention through local initiatives, including partnerships, PR and distribution channels Act as the voice of the local market, proposing product improvements and coordinating closely with global teams to build scalable processes and support the license expansion What you'll need 10+ years of experience as a founder or senior operator in a VC backed fintech or regulated financial institution, with full operational and P&L ownership Strong stakeholder management skills with the ability to manage regulators, partners, and high value customers Demonstrated ability to operate in regulated or high scrutiny environments Exceptional organization and ability to navigate complex organizations to extract information and drive decisions High attention to detail and rigorous due diligence mindset Strong analytical capabilities with structured problem solving High ownership mentality, resilience, and proven ability to close outcomes Ability to operate both strategically and hands on in a fast scaling environment Nice-to-haves Experience working at a regulated financial institution or fintech Direct experience managing regulatory relationships Direct involvement in licensing processes in banking, payments, wealth, or crypto Prior experience at a top tier firm such as BCG, Bain, or McKinsey, or at a bulge bracket investment bank is strongly preferred

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. The Role: General Manager, Licensing Colombia You will lead ARQ's regulated entity in your jurisdiction, serving as the accountable executive before local regulators and supervisory authorities. Your core focus will be securing and maintaining our operating licenses, navigating the regulatory approval process end to end, and building the operational infrastructure required for ARQ to operate legally and sustainably in market. You will manage the entity's day-to-day operations, overseeing governance structures, internal controls, and operational processes, ensuring the entity is well-run and positioned for sustainable growth as the business scales. You will also own the local credit risk framework, ensuring lending activity is managed responsibly and in line with both regulatory expectations and ARQ's credit strategy and risk frameworks. You will work closely with global legal, risk, operations, product and compliance teams. What you'll be doing You will be accountable for the regulated entity's licensing standing, compliance posture, and operational readiness within your jurisdiction, working in close coordination with global teams. Own end-to-end operational management of the regulated entity, including AML, KYC and KYB, fraud, safeguarding, complaints, regulatory reporting, internal controls, customer support, and audit readiness Ensure full compliance with local laws, license conditions, and internal policies, maintaining a robust risk management and control framework Serve as the primary point of contact for local supervisory authorities, leading regulatory inspections, implementation tables, and audits Drive the entity through each stage of the regulatory approval timeline, from constitution approval through to go-live audit, ensuring milestone readiness at every step Draft, implement, and operate local credit and risk policies in line with regulatory frameworks and the regulator expectations Own the local credit risk framework, including drafting and operationalizing credit policies, overseeing credit decisioning processes, and ensuring lending activity is managed in line with regulatory requirements and ARQ's internal risk appetite — working closely with the global credit and risk teams to maintain consistency across the group Maintain close coordination with global legal and compliance teams to ensure policies, controls, and reporting are consistent with both local requirements and group standards Manage the day-to-day operations of the regulated entity, ensuring it is structured and ready for sustainable growth; this includes overseeing operational processes, maintaining adequate staffing and governance structures, coordinating with global product and engineering teams to ensure local operational requirements are met, and building the internal controls and reporting cadence needed to scale compliantly as the business grows Act as the local signatory and board-level representative where required by the regulator or entity governance structure What you'll need 7+ years of experience in a regulated financial institution, fintech, or financial services environment, with direct exposure to licensing, operations, or risk management Hands-on experience working within local regulatory frameworks in your jurisdiction, including direct interaction with supervisory authorities Demonstrated ability to draft and operationalize risk, operations and compliance frameworks, including credit policy, AML/KYC controls, and operations Strong stakeholder management ski

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. Who we’re looking for We are looking for a highly analytical and strategic Growth Analytics Manager to join our Growth team. This is a critical, high-impact role where you will be the owner of our growth data, budget, and financial planning, across our 4 core markets.. You will transform raw data into actionable strategies, working hand to hand with the Head of Growth and founders to accelerate business performance. If you are passionate about blending complex data analysis with a deep understanding of consumer behavior, we want to hear from you. What you’ll do Serve as the analytical backbone for the Growth leadership team, presenting findings and strategic recommendations that directly influence budgeting, roadmap prioritization, and business strategy. Define, monitor, and report on key performance indicators (KPIs) across the entire user journey (AARRR: Acquisition, Activation, Retention, Referral, Revenue). Conduct complex, rigorous analyses (e.g., cohort analysis, A/B test analysis, attribution modeling, lifetime value (LTV) forecasting) to identify opportunities for growth optimization and understand 'why' user behavior changes. Design, implement, and analyze controlled experiments, providing clear, statistically significant recommendations to product and marketing teams. What you’ll need to succeed 4+ years of professional experience in an analytical role Background in McKinsey, BCG or Bain is preferred. Expert proficiency in SQL for data querying, transformation, and analysis. Advanced experience with a modern data visualization tool (e.g., Tableau, Looker, Power BI). Proven ability to work with statistical tools or languages for data analysis (e.g., Python/R is a strong plus). Deep understanding of statistical significance and the proper execution/analysis of A/B/n testing. Strong understanding of key digital marketing metrics (CAC, ROAS, CPA, etc.) and how marketing investment impacts the P&L. Why join us Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) 25 days annual leave (plus bank holidays) Private health insurance Latest technology to work with Be part of our growing London hub, working alongside the founders and senior leaders. A world-class team where you’ll learn fast and grow even faster.

About ARQ ARQ is one of the fastest-growing fintechs in the world. Since 2021, ARQ has been on a mission to redefine how Latin Americans manage their global finances. Our powerhouse of products – spending, exchanging, saving, investing, and more - are used already by 2M+ customers in the Americas, and this is your opportunity to be a crucial part of that transformation. Join a team of top talent from the world’s leading fintech and tech companies, and help build a cross-border financial system that’s modern, accessible, and built to scale. The Role We are looking for a Head of Growth for Colombia to lead our growth and operations in the country. This is a high-impact leadership role responsible for representing ARQ locally, driving growth, and owning the country’s P&L. You will act as the bridge between our global teams and the Colombian market bringing local insights to inform strategy and product roadmap, while executing campaigns that resonate with the local audience. What you'll be doing Act as ARQ’s primary representative in Colombia and build and strengthen ARQ’s presence and brand in the market, including ARQ's PR and earned media presence in Colombia Own local P&L, driving user and revenue growth, margin optimization, and improved unit economics Build and maintain relationships with local partners, brand ambassadors, influencers, and affiliates Drive Above-The-Line (ATL) efforts, including TV, OTT, OOH, radio, and other mass media to maximize brand reach and efficiency Act as the voice of the local market, collaborate with global performance marketing and creative teams to ensure brand consistency and localisation across every channel Build scalable processes to support long-term growth, and hire, develop, and lead the local team over time What you’ll need to succeed 7+ years of professional experience, including a senior operational role at a high-growth VC-backed tech company with P&L ownership; prior experience at a top-tier management consulting firm (e.g., BCG, Bain, McKinsey) or a bulge bracket investment bank is strongly preferred Deep understanding of the Colombian market and consumer behavior is a must Structured problem-solving: you break down ambiguous challenges into clear frameworks, move fast, and communicate findings with precision Ability to coordinate external partners: media, celebrities, influencers, or affiliates, and manage multiple relationships simultaneously A self-starter who thrives in ambiguity, takes full ownership, and can lead projects end to end without hand-holding Track record of building and leading high-performing teams Proficiency in English and Spanish

About ARQ ARQ is one of the fastest-growing fintechs in the world. Since 2021, ARQ has been on a mission to redefine how Latin Americans manage their global finances. Our powerhouse of products – spending, exchanging, saving, investing, and more - are used already by 2M+ customers in the Americas, and this is your opportunity to be a crucial part of that transformation. Join a team of top talent from the world’s leading fintech and tech companies, and help build a cross-border financial system that’s modern, accessible, and built to scale. The Role We are looking for a Head of Growth for Mexico to lead our growth and operations in the country. This is a high-impact leadership role responsible for representing ARQ locally, driving growth, and owning the country’s full P&L. You will act as the bridge between our global teams and the Mexican market bringing local insights to inform strategy and product roadmap, while executing campaigns that resonate with the local audience. What you'll be doing Act as ARQ’s primary representative in Mexico and build and strengthen ARQ’s presence and brand in the market, including ARQ's PR and earned media presence in Mexico Own local P&L, driving user and revenue growth, margin optimization, and improved unit economics Build and maintain relationships with local partners, brand ambassadors, influencers, and affiliates Drive Above-The-Line (ATL) efforts, including TV, OTT, OOH, radio, and other mass media to maximize brand reach and efficiency Act as the voice of the local market, collaborate with global performance marketing and creative teams to ensure brand consistency and localisation across every channel Build scalable processes to support long-term growth, and hire, develop, and lead the local team over time What you’ll need to succeed 7+ years of professional experience, including a senior operational role at a high-growth VC-backed tech company with P&L ownership; prior experience at a top-tier management consulting firm (e.g., BCG, Bain, McKinsey) or a bulge bracket investment bank is strongly preferred Deep understanding of the Mexican market and consumer behavior is a must Structured problem-solving: you break down ambiguous challenges into clear frameworks, move fast, and communicate findings with precision Ability to coordinate external partners: media, celebrities, influencers, or affiliates, and manage multiple relationships simultaneously A self-starter who thrives in ambiguity, takes full ownership, and can lead projects end to end without hand-holding Track record of building and leading high-performing teams Proficiency in English and Spanish

What we're looking for We are looking for an experienced and proactive IT Administrator to join our Security & IT team. You’ll be responsible for the day-to-day administration of devices, services, and systems across the organisation. This role blends IT operations with a strong emphasis on scalability, automation, and security best practices. You’ll have the opportunity to define internal IT processes, support our global organisation, and partner with security engineers to keep our environment efficient and secure. If you’re excited to solve complex challenges and make a meaningful impact in a fast-growing company, we’d love to hear from you! What you'll be doing Own end-to-end employee onboarding : device provisioning, configuration, and day-one readiness Manage global IT inventory across regions : ensuring accurate tracking of all assets Oversee device lifecycle: procurement, distribution, refresh, and decommissioning Provide L1/L2 support for hardware : connectivity, and access issues across a distributed team Administer MDM (macOS & Windows): enrollment, policies, compliance, and troubleshooting Manage SaaS access: (Google Workspace, Slack, Jira), including onboarding/offboarding workflows What you'll need 3–5 years of experience in IT support or IT operations, ideally in a remote or distributed environment Hands-on experience with MDM tools (Kandji, Jamf, or Intune) Experience managing IT hardware and logistics across multiple locations or countries Familiarity with SaaS user provisioning (Google Workspace, Slack, Jira, etc.) Solid understanding of basic networking (WiFi, VPN, DNS) and structured IT processes

What we're looking for Are you curious about how things work and motivated by uncovering insights hidden in data? As a Data Analyst at ARQ , you’ll help us understand our business, customers, and operations through rigorous analysis and thoughtful storytelling. You’ll explore data, detect patterns, and build the foundations for decisions that shape the future of our products and company. This is a role for someone early in their analytics career who wants to grow — learning how data drives product, financial, and strategic decisions in a fast-paced fintech environment.   What you'll be doing Explore and Analyze Data : Investigate user behavior, performance trends, and key metrics to uncover what’s driving changes. Identify Anomalies and Opportunities : Spot unusual patterns or spikes and help the team understand their root causes. Reporting & Automation : Build and maintain dashboards and automated reports that make data accessible and reliable. Decision Support : Translate analytical findings into clear recommendations for product and operational improvements. Metric Design : Help define and refine the KPIs that matter most for our business and customer experience. Documentation : Keep analyses, methodologies, and assumptions well-documented and reproducible. Modeling & Experimentation : Contribute to basic modeling tasks and structured experiments under guidance from senior analysts or data scientists. Continuous Learning : Expand your analytical toolkit and develop product sense through real-world problem solving and mentorship. What you'll need 1–3 years of experience in analytics, data, or operations (internships count) Strong SQL skills for querying and exploring datasets Comfortable reading code and writing basic Python scripts for data manipulation, automation, and analysis Experience contributing to a shared analytics codebase or modern data stack (e.g., Snowflake/BigQuery + dbt + Git workflow) Analytical curiosity and a structured approach to problem solving Good communication skills - able to explain insights clearly and visually Initiative to automate repetitive tasks and improve reporting workflows Interest in fintech, data-driven decision-making, and machine learning concepts Ambitious, high-potential mindset with evidence of strong achievement, fast progression, or outstanding academic/professional performance Nice to have STEM degree preferred (e.g., Mathematics, Computer Science, Engineering, Physics, Economics, or related fields) Experience with BI or visualization tools (Metabase, Looker, etc.) Familiarity with dbt for building and maintaining data models, writing tests, and managing transformations Exposure to fraud, financial, or product analytics (any domain welcome) Spanish/Portuguese proficiency for internal and external communications.   Benefits Competitive salary Own the development process that will face on the customer's impact Latest technology to work with Strong team that will help you improve your skills.

What we're looking for Are you curious about how things work and motivated by uncovering insights hidden in data? As a Data Analyst at ARQ , you’ll help us understand our business, customers, and operations through rigorous analysis and thoughtful storytelling. You’ll explore data, detect patterns, and build the foundations for decisions that shape the future of our products and company. This is a role for someone early in their analytics career who wants to grow — learning how data drives product, financial, and strategic decisions in a fast-paced fintech environment.   What you'll be doing Explore and Analyze Data : Investigate user behavior, performance trends, and key metrics to uncover what’s driving changes. Identify Anomalies and Opportunities : Spot unusual patterns or spikes and help the team understand their root causes. Reporting & Automation : Build and maintain dashboards and automated reports that make data accessible and reliable. Decision Support : Translate analytical findings into clear recommendations for product and operational improvements. Metric Design : Help define and refine the KPIs that matter most for our business and customer experience. Documentation : Keep analyses, methodologies, and assumptions well-documented and reproducible. Modeling & Experimentation : Contribute to basic modeling tasks and structured experiments under guidance from senior analysts or data scientists. Continuous Learning : Expand your analytical toolkit and develop product sense through real-world problem solving and mentorship. What you'll need 1–3 years of experience in analytics, data, or operations (internships count) Strong SQL skills for querying and exploring datasets Comfortable reading code and writing basic Python scripts for data manipulation, automation, and analysis Experience contributing to a shared analytics codebase or modern data stack (e.g., Snowflake/BigQuery + dbt + Git workflow) Analytical curiosity and a structured approach to problem solving Good communication skills - able to explain insights clearly and visually Initiative to automate repetitive tasks and improve reporting workflows Interest in fintech, data-driven decision-making, and machine learning concepts Ambitious, high-potential mindset with evidence of strong achievement, fast progression, or outstanding academic/professional performance Nice to have STEM degree preferred (e.g., Mathematics, Computer Science, Engineering, Physics, Economics, or related fields) Experience with BI or visualization tools (Metabase, Looker, etc.) Familiarity with dbt for building and maintaining data models, writing tests, and managing transformations Exposure to fraud, financial, or product analytics (any domain welcome) Spanish/Portuguese proficiency for internal and external communications.   Benefits Competitive salary Own the development process that will face on the customer's impact Latest technology to work with Strong team that will help you improve your skills.

What we're looking for Are you curious about how things work and motivated by uncovering insights hidden in data? As a Data Analyst at ARQ , you’ll help us understand our business, customers, and operations through rigorous analysis and thoughtful storytelling. You’ll explore data, detect patterns, and build the foundations for decisions that shape the future of our products and company. This is a role for someone early in their analytics career who wants to grow — learning how data drives product, financial, and strategic decisions in a fast-paced fintech environment.   What you'll be doing Explore and Analyze Data : Investigate user behavior, performance trends, and key metrics to uncover what’s driving changes. Identify Anomalies and Opportunities : Spot unusual patterns or spikes and help the team understand their root causes. Reporting & Automation : Build and maintain dashboards and automated reports that make data accessible and reliable. Decision Support : Translate analytical findings into clear recommendations for product and operational improvements. Metric Design : Help define and refine the KPIs that matter most for our business and customer experience. Documentation : Keep analyses, methodologies, and assumptions well-documented and reproducible. Modeling & Experimentation : Contribute to basic modeling tasks and structured experiments under guidance from senior analysts or data scientists. Continuous Learning : Expand your analytical toolkit and develop product sense through real-world problem solving and mentorship. What you'll need 1–3 years of experience in analytics, data, or operations (internships count) Strong SQL skills for querying and exploring datasets Comfortable reading code and writing basic Python scripts for data manipulation, automation, and analysis Experience contributing to a shared analytics codebase or modern data stack (e.g., Snowflake/BigQuery + dbt + Git workflow) Analytical curiosity and a structured approach to problem solving Good communication skills - able to explain insights clearly and visually Initiative to automate repetitive tasks and improve reporting workflows Interest in fintech, data-driven decision-making, and machine learning concepts Ambitious, high-potential mindset with evidence of strong achievement, fast progression, or outstanding academic/professional performance Nice to have STEM degree preferred (e.g., Mathematics, Computer Science, Engineering, Physics, Economics, or related fields) Experience with BI or visualization tools (Metabase, Looker, etc.) Familiarity with dbt for building and maintaining data models, writing tests, and managing transformations Exposure to fraud, financial, or product analytics (any domain welcome) Spanish/Portuguese proficiency for internal and external communications.   Benefits Competitive salary Own the development process that will face on the customer's impact Latest technology to work with Strong team that will help you improve your skills.

What We’re Looking For We’re looking for a Lead iOS Software Engineer who is a world-class hands-on builder. You’ll set the bar for engineering excellence, lead by example through code reviews and architecture design, and inspire a growing mobile team to deliver elegant, reliable, and beautiful experiences that define what financial products should feel like. This is a high-impact role on our Core Product Team , where you’ll help build and scale the ARQ experience - from our flagship app to new initiatives such as Premium , Credit , and other innovative financial products in the pipeline. What You’ll Be Doing Be the hands-on technical expert for all things iOS - writing world-class code, performing code reviews, and ensuring technical excellence across the app. Collaborate with Product and Design to craft pixel-perfect user experiences with exceptional attention to detail, performance, and reliability. Architect, build, and maintain scalable mobile features that are secure, fast, and delightful to use. Review code, share insights, and elevate the quality of engineering across the app. Drive the evolution of our mobile architecture to support a multi-product environment (Premium, Credit, and more). Collaborate closely with cross-functional teams to ship quickly while maintaining uncompromising quality. Own the full lifecycle of your features - from design and implementation to testing and deployment. What You’ll Need 6+ years of professional experience in iOS development, ideally building complex, high-scale consumer products. Proven expertise in Swift and Apple’s iOS ecosystem (UIKit, SwiftUI, Combine, etc.). Strong understanding of design patterns, architecture (MVVM, Clean Architecture), and testing practices. Deep passion for UI/UX craftsmanship - you care deeply about the small details that make products amazing. Proven ability to deliver outstanding products end-to-end in fast-moving, high-growth environments. Bonus: Experience in fintech , payments , or digital banking. Benefits Competitive salary State-of-the-art technology and tools A world-class team that will challenge and grow your skills The opportunity to shape the financial system of the future

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 you'll be doing Own the Payments Lifecycle: Run end-to-end global payment operations as well as crypto settlement, bridging, and custodian movements. Execute Accounts Payable & Payroll: Prepare, review, and release accounts payable runs and payroll disbursements across entities. Strengthen Crypto Controls: Oversee hot/cold wallet movements, whitelisting, pre-sign review, chain-to-ledger reconciliation, and on-chain parity checks; treat crypto with the same rigour as a regulated fiat . Reconcile & Resolve Exceptions: Monitor queues across rails, investigate failed and stuck transactions, resolve breaks between rail ↔ ledger ↔ custodian ↔ bank, and enforce cut-off discipline. Improve the Internal Treasury System: Act as the operational voice shaping our in-house Treasury payment tooling - requirements, UAT, business readiness, and change control, partnering with product and engineering. Oversee Automated Flows: Monitor payment provider integrations, catch drift early, and prioritise the automation backlog with engineering. Govern Procedures: Own procedure documentation, periodic reviews, and change control so controls stay current with regulatory and business change. Report & Measure: Produce operational reports on settlement timeliness, funding utilisation, break rates, and control effectiveness; surface insights that drive decisions. Escalate & Investigate: Spot risk early, escalate promptly to contain loss, and lead post-incident reviews with clear root cause and durable fixes. Partner Cross-Functionally: Be the first point of contact for business, technology, risk, compliance, and finance; align stakeholders and drive timely resolution. What You'll Need 3+ years in payments operations, treasury operations, or settlements at a bank, fintech, exchange, or payments provider. Strong working knowledge of fiat payment rails and the operational mechanics of reconciliation, exception handling, and cut-offs Sharp control instincts: you've owned procedure documents, change control, and audit-ready evidence, and you can spot a weak control from a mile away. Experience executing accounts payable and / or payroll disbursements at scale, including multi-entity and multi-currency flows. High attention to detail and accuracy in processing, reconciliation, and control activities. Track record of delivering automation and process re-engineering that measurably improved speed, accuracy, or scalability Nice to Have Direct experience operating LATAM rails (SPEI, PIX, PSE, CBU) inside a regulated entity Hands-on experience with crypto operations - custody, wallet movements, bridging, chain rebalancing, and on-chain reconciliation with a security-first mindset Experience with a Treasury Management System and / or building an in-house equivalent SQL for querying payment, ledger, and operational data - you don't wait for someone else to pull the numbers Spanish and/or Portuguese proficiency

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’re looking for a world-class, hands-on Senior/Lead Platform Engineer who takes a software engineer’s approach to architecting and building engineering infrastructure. Our engineering culture is focused on fully type-safe, declarative & testable infrastructure as code and we’re looking for like-minded engineers who also value these properties to join us. The ideal candidate will have a raw passion for programming, a broad knowledge base and the ability to dig deeply into any technical area required to enable our product engineering team to deliver the best product on the market for managing modern finances. We architect extreme-quality, automated systems to orchestrate hundreds of backend services & databases across tens of kubernetes clusters, tens of thousands of data processing jobs and tens of thousands of CI/CD builds per week - if that excites you, we want to talk to you.   What you'll be doing The design and implementation of the secure, highly-available infrastructure layer that powers a modern, high-growth, financial services company. Ensure our product engineering can spin up new infrastructure in an unimpeded and rapid manner, through the careful design and implementation of shared IaC libraries, cli tools and codebase patterns. Problem-solve, analyse and debug infrastructure issues & opportunities with members of the wider engineering team. Strategise & execute on the rollout techniques for making sweeping infrastructure changes as we constantly integrate new best practices & security improvements into our setup. Orchestrate multi-region infrastructure and deployments to meet security, availability and compliance requirements. Build, maintain & optimise high-volume CI infrastructure, along with reusable pipeline templates suitable for a microservices architecture. Implement GitOps workflows for declarative application deployments. Improve application monitoring and alerting with Datadog, Prometheus, and Grafana   What you'll need Required Experience Demonstrable experience as a Software Engineering with deep exposure to Platform/Infrastructure Engineering. Experience driving the design and implementation of large-scale production software. Strong software engineering mindset - we write code, not just config. Exposure to a modern infrastructure stack: A passion for high-quality, secure software engineering. An understanding of modern cyber-security attack vectors and how to mitigate them. Nice to Have Deep knowledge of AWS managed services Distributed systems knowledge Data engineering infrastructure GitOps workflows experience Fintech or regulated industry experience Multi-region architecture / disaster recovery Experience with security hardening of a variety of systems TypeScript fluency Exposure to sophisticated type systems What We Value Systems thinking - understanding how distributed systems work end-to-end Problem-solving - methodical debugging of complex infrastructure issues Collaboration - working with engineering teams to understand their needs Documentation - clear runbooks, technical documentation, and knowledge sharing Pragmatism - balancing technical excellence with practical delivery Benefits Competitive salary commensurate with experience Own the platform that directly impacts customer experience Work with modern DevOps practices and cutting-edge technology Strong team focused on continuous learning and knowledge sharing Influence technical direction and ar

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 As a Product Designer, you’ll craft intuitive, visually compelling, and user-centered designs that reshape our customer's relationship with money, with a specific focus on our wealth and investment product. You’ll collaborate closely with a talented, cross-functional team to create seamless experiences that transform the way people build and manage their wealth. What you'll be doing Develop new user experiences from scratch : This includes using our design system to build new flows as well as ensuring alignment between our brand and product experience. Own our end-to-end design process : You will take a concept and turn it a reality with Figma wireframes the engineers can develop and with the marketing team to ship to consumers. You’ll breathe life into our product and brand : You will transform standard moments into surprising and delightful end user experiences and ads. You’ll be at the heart of our product development process : You will work closely with our founders and engineering team to help define problems and goals, wireframe prototypes, and craft product deliverables at the highest quality level. What you'll need +3 years of relevant Product Design experience in a hyper-growth tech company (+$1b USD valuation) with heavy engagement Creative approach to problem solving with an eye for beautiful, simple designs, strong attention to detail and due diligence A keen sense for human emotion and how to build products which surprise and delight consumers Ability to think deeply about user needs and articulate design decisions - while maintaining an understanding of technical implications Solid written and verbal communication, understanding that the copy in your screens is never an afterthought Ideally based in London or willing to relocate (ARQ can sponsor your visa) Benefits Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) Paid annual leave Latest technology to work with Strong team that will help you improve your skills

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. The Role Payments are the backbone of ARQ, and we’re hiring our first dedicated Product Owner - Core Payments in London. You’ll own our payments infrastructure across all markets and payment systems (including crypto). From negotiating with partners to leading integrations with engineers, this role blends strategy, execution, and technical depth. Key Responsibilities Work directly with the founders to build and scale core payments products. Identify new initiatives, negotiate with partners, and scope integrations. Own the performance and operational excellence of existing payment rails. Collaborate with engineering, ops, legal, and compliance to deliver world-class products. Monitor payment flows post-launch, debug issues, and drive continuous improvement. Prioritise product tasks to deliver transaction growth and hit KPIs. The successful candidate 2+ years in a high-growth fintech, Big 4/top-tier firm(McKinsey/BCG/Bain), or investment bank. Strong analytical and quantitative skills, you're comfortable going deep into data and processes. Highly motivated and ambitious, with appetite to grow into leadership and eventually lead the Core Payments department. A self-starter who thrives in ambiguity, takes full ownership, and drives partners and teams to deliver. Excellent communication and collaborator, confident working directly with founders and cross-functional stakeholders. Why ARQ Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) 25 days annual leave (plus bank holidays) Private health insurance Latest technology to work with Be part of our growing London hub, working alongside the founders and senior leaders. A world-class team where you’ll learn fast and grow even faster.

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’re hiring a FinCrime Lead to work directly with our founders and build our financial crime product function from the ground up. You’ll lead a cross-functional product team focused on fraud prevention, AML/CTF, and transaction monitoring, and delivering measurable impact through smart, data-driven analyses. You’ll thrive in this role if you love solving complex problems, can translate regulatory and operational needs into product solutions, and enjoy working at the intersection of product, data science, and engineering. What you'll be doing Own the product vision and roadmap for fraud detection, AML, and transaction monitoring. Lead a team of engineers and data scientists to design, deliver, and refine detection models, rule sets, and monitoring systems. Define and track KPIs like true positive rate, false positive rate, and time-to-detection. Turn fraud patterns, typologies, and compliance requirements into clear product specifications. Continuously improve our detection capabilities based on real-world incident feedback and evolving threats. What you'll need Proven product experience in fintech, payments, or fraud / financial crime prevention. Strong track record delivering data-driven products with engineering and analytics teams. Analytical mindset; comfortable interpreting model performance metrics. Ability to balance risk prevention with great customer experience. Comfortable working directly with founders in a fast-paced startup. Nice-to-haves Experience in Latin American markets. Spanish or Portuguese language skills. Experience scaling a FinCrime product from 0 to hundreds of millions of transactions. Benefits Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options) Paid annual leave Latest technology to work with Strong team that will help you improve your skills

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 you'll do Hire A - players : you will work with the co-founders and the executive team to calibrate roles and seniorities, hire the best talent in the world, and create hiring playbooks Act like a founder : you will go beyond scope of work and priorities, it is in the DNA of ARQ to do whatever it takes to win. You love freedom, ownership, and are not afraid to get your hands dirty Be data-driven: you will track pipelines, conversion rates, and use that data to continuously improve how we hire Sell the vision: you will be one of the first impressions of ARQ, telling our story in a way that excites and converts top talent Move with urgency: you understand that great candidates don’t wait, and you act fast without sacrificing quality Design the system: you won’t just fill roles you’ll help us build scalable processes, tools, and rituals that turn our talent team into a world-class machine Continuously improve: you are always iterating on outreach, interviews, and processes to get better every week What you'll need Proven track record or hiring A players in a fast paced environment Precise sourcing skills (we don't only rely on inbound applicants) Resourcefulness, ability to leverage LinkedIn as well as the network of the current team to source potential candidates Strong interpersonal skills, you will be able to connect and build lasting relationships with both stakeholders and candidates. High EQ, being able to understand what drives candidates and assess cultural fit. You value candidates highly and provide them with a world-class experience throughout the process Excellent organisation skills, being able to manage candidates funnel with maximum attention to detail and due diligence. We believe in providing a white glove experience for our candidates and stakeholders. Ability to work well as part of a team, a relentless drive and a track record as proven closer Benefits Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options+cash) Paid annual leave Latest technology to work with Strong team that will help you improve your skills

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 you'll do Hire A - players : you will work with the co-founders and the executive team to calibrate roles and seniorities, hire the best talent in the world, and create hiring playbooks Act like a founder : you will go beyond scope of work and priorities, it is in the DNA of ARQ to do whatever it takes to win. You love freedom, ownership, and are not afraid to get your hands dirty Be data-driven: you will track pipelines, conversion rates, and use that data to continuously improve how we hire Sell the vision: you will be one of the first impressions of ARQ, telling our story in a way that excites and converts top talent Move with urgency: you understand that great candidates don’t wait, and you act fast without sacrificing quality Design the system: you won’t just fill roles you’ll help us build scalable processes, tools, and rituals that turn our talent team into a world-class machine Continuously improve: you are always iterating on outreach, interviews, and processes to get better every week   What you'll need Proven track record or hiring A players in a fast paced environment Precise sourcing skills (we don't only rely on inbound applicants) Resourcefulness, ability to leverage LinkedIn as well as the network of the current team to source potential candidates Strong interpersonal skills, you will be able to connect and build lasting relationships with both stakeholders and candidates. High EQ, being able to understand what drives candidates and assess cultural fit. You value candidates highly and provide them with a world-class experience throughout the process Excellent organisation skills, being able to manage candidates funnel with maximum attention to detail and due diligence. We believe in providing a white glove experience for our candidates and stakeholders. Ability to work well as part of a team, a relentless drive and a track record as proven closer   Benefits Competitive salary Sign-on stock options bonus, so you become part of the success of the company Discretionary performance bonus (stock options+cash) Paid annual leave Latest technology to work with Strong team that will help you improve your skills

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. The Role You will own the design, implementation, and continuous improvement of ARQ’s risk management framework in Colombia. This includes market, credit, operational, and regulatory risk, ensuring the company operates within risk appetite while enabling sustainable growth. What you'll be doing Own the local risk management framework, including identification, assessment, monitoring, and mitigation of key risks across the business Lead across risk areas such as credit risk, market risk and operational risk, with a focus on credit risk Ensure alignment with regulatory requirements, internal policies, and global risk standards Develop and maintain risk policies, procedures, and controls, ensuring audit readiness at all times Monitor key risk indicators and produce regular risk reporting for local and global stakeholders Partner closely with compliance/AML, operations, product, and finance teams to embed risk controls into processes and product design Support regulatory interactions, including inspections, audits, and reporting requirements Drive continuous improvement of risk models, underwriting strategies, fraud detection systems, and operational controls Act as the local risk subject matter expert, advising leadership on risk exposure and mitigation strategies What you'll need 5 to 10 years of experience in risk management within fintech, banking, or regulated financial institutions, direct experience on credit risk is required Strong experience across multiple risk domains such as credit risk, market risk, fraud and operational risk Proven experience building or scaling risk frameworks in regulated environments Strong understanding of Colombian regulatory and risk management expectations Analytical skills with experience using data to drive risk and performance decisions Structured problem solving and ability to translate complex risk issues into actionable insights High attention to detail with a rigorous control mindset Strong stakeholder management, with the ability to influence cross-functional teams High ownership, resilience, and execution focus Ability to operate both strategically and hands-on in a fast-scaling environment Nice-to-haves Direct experience working with Colombian regulators or supervised entities Experience in fintech or high-growth environments Hands-on experience with risk modeling, underwriting, or fraud detection systems Prior experience in consulting or top-tier financial institutions Experience supporting licensing processes or regulatory approvals

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 you'll do Build and improve SIEM detection rules, alert pipelines, and automated response playbooks (Datadog SIEM, CrowdStrike, Cloudflare) Contribute to incident response readiness, including IR playbooks, tabletop exercises, and forensic procedures Support DLP strategy and data protection controls across Google Workspace, Slack, and internal tooling Conduct cloud security assessments across AWS and Kubernetes environments Drive application security initiatives: threat modelling, secure code review support, API testing, and security pipeline improvements Assess and secure AI/agentic workflows across the company — reviewing prompts, preventing destructive actions, and controlling data exposure Establish and run the vendor security assessment process — building a scalable due diligence framework for third-party onboarding What you'll need 4–7 years in information security, ideally having built or significantly shaped the security function at a startup or high-growth company - you've been the person who sets things up, not just maintains them Hands-on experience with cloud infrastructure security (AWS, Kubernetes) Working knowledge of SIEM platforms and detection engineering - you've written detection rules, not just consumed alerts Familiarity with application security practices: threat modelling, secure code review, CI/CD pipeline hardening, and API security testing Experience with endpoint security tooling (EDR/XDR) and identity & access management in a SaaS-heavy environment (Google Workspace, Okta/Cloudflare Access, SSO/SCIM) Ability to assess and secure emerging AI/agentic tooling - you understand the risks of LLM integrations, MCP servers, and automated workflows, and can define practical guardrails Experience running or contributing to vendor security assessments and third-party due diligence Strong written and verbal communication Business fluent in English; Spanish or Portuguese a plus

What We’re Looking For We’re looking for a Senior Android Engineer who’s passionate about building beautiful, reliable, and high-performance products that delight users. You’ll be a hands-on engineer, contributing high-quality code and helping raise the bar for engineering standards across the team. You’ll join our Core Product Team, helping to build and scale the ARQ experience — from our flagship Android app to new product lines like Premium, Credit, and other financial products on the roadmap. What You’ll Be Doing Design and build exceptional Android experiences that users love and trust. Write clean, maintainable, and performant Kotlin code using modern Android tools and frameworks. Collaborate closely with Product, Design, and Backend teams to deliver features end-to-end. Contribute to the architecture and evolution of the Android app as it scales. Own features from concept to launch, ensuring quality, polish, and performance. Help improve code quality, testing, and development best practices within the team. What You’ll Need 5+ years of experience building Android applications used by thousands or millions of users. Strong knowledge of Kotlin and the Android ecosystem (Jetpack, Coroutines, Compose, etc.). Solid understanding of architecture patterns (MVVM, MVI, Clean Architecture) and testing frameworks. Strong ownership mindset and attention to detail when building user-facing products. Appreciation for great UX and product quality. Experience working in fast-paced environments, ideally in fintech or consumer tech startups. Benefits Competitive salary The latest tools and technology A world-class team that will challenge and grow your skills The opportunity to shape the financial system of the future

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. The Role We are hiring ARQ's first Product Owner dedicated to building and leading our initial credit card product launch. This role will set the standards for how we design, operate, and grow our credit offering across markets. You’ll work closely with our founders, engineers, and external partners to build a product that is loved by users and a critical driver of our business growth. We’re not looking to build a basic credit product — we’re setting out to build a product that is world-class in user experience, credit management, and operational excellence. What you'll be doing Leading the end-to-end development and launch of ARQ’s first unsecured credit card product. Owning the product strategy, roadmap, and execution across product, operations, and go-to-market. Partnering with issuing banks, processors, credit bureaus, and other key stakeholders to build strong, scalable integrations. Tracking and optimizing the performance of the credit product, using data to guide rollout, iterate, and scale fast. What you'll need 7+ years of experience in credit or consumer lending — ideally in credit cards or unsecured lending. Proven experience launching and scaling a credit card or consumer lending product. Comfort working with external partners such as banks, processors, and bureaus. A founder's mindset —a problem solver ready to roll up their sleeves to build from scratch. Nice-to-haves Experience building/launching credit builder products in LATAM Spanish or Portuguese language skills Experience scaling a credit product from 0 to millions of users.

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’re looking for a world-class, hands-on Senior/Lead Software Engineer to join our Platform team who takes a software engineer’s approach to architecting and building engineering infrastructure. Our engineering culture is focused on fully type-safe, declarative & testable infrastructure as code and we’re looking for like-minded engineers who also value these properties to join us. The ideal candidate will have a raw passion for programming, a broad knowledge base and the ability to dig deeply into any technical area required to enable our product engineering team to deliver the best product on the market for managing modern finances. We architect extreme-quality, automated systems to orchestrate hundreds of backend services & databases across tens of kubernetes clusters, tens of thousands of data processing jobs and tens of thousands of CI/CD builds per week - if that excites you, we want to talk to you.   What you'll be doing The design and implementation of the secure, highly-available infrastructure layer that powers a modern, high-growth, financial services company. Ensure our product engineering organisation can spin up new infrastructure in an unimpeded and rapid manner, through the careful design and implementation of shared IaC libraries, cli tools and codebase patterns. Problem-solve, analyse and debug infrastructure issues & opportunities with members of the wider engineering team. Strategise & execute on the rollout techniques for making sweeping infrastructure changes as we constantly integrate new best practices & security improvements into our setup. Orchestrate multi-region infrastructure and deployments to meet security, availability and compliance requirements. Build, maintain & optimise high-volume CI infrastructure, along with reusable pipeline templates suitable for a microservices architecture. Implement GitOps workflows for declarative application deployments. Improve application monitoring and alerting with Datadog, Prometheus, and Grafana.   What you'll need Required Experience Software Engineering Foundation: Strong background in full-cycle software development. You should be as comfortable building a customer-facing API as you are provisioning a Kubernetes cluster. System Design: Experience driving the architecture and implementation of large-scale, distributed production systems. Strong Programming Skills: Fluent in at least one modern typed language (e.g., TypeScript, Go, Rust, or Java). We write code, not just config. Modern Infrastructure Stack : Hands-on experience with Kubernetes, CI/CD, and sophisticated IaC (Pulumi, Terraform, or CDK). Security Mindset: Deep understanding of modern cyber-security attack vectors and how to bake "secure-by-default" patterns into the platform. Nice to Have TypeScript Fluency: Experience with TypeScript and sophisticated type systems to ensure infrastructure safety. Fintech Expertise: Experience working within regulated environments or high-compliance industries. Data Infrastructure: Familiarity with scaling data engineering pipelines and distributed databases. GitOps: Experience with ArgoCD or Flux for declarative, state-driven deployments. What We Value Systems thinking - understanding how distributed systems work end-to-end Problem-solving - methodical debugging of complex infrastructure issues Collaboration - working with engineering teams to understand their needs Documentation - clear runbooks, technical documentation, and knowledge sharing

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’re looking for a world-class, hands-on Senior/Lead Software Engineer to join our Platform team who takes a software engineer’s approach to architecting and building engineering infrastructure. Our engineering culture is focused on fully type-safe, declarative & testable infrastructure as code and we’re looking for like-minded engineers who also value these properties to join us. The ideal candidate will have a raw passion for programming, a broad knowledge base and the ability to dig deeply into any technical area required to enable our product engineering team to deliver the best product on the market for managing modern finances. We architect extreme-quality, automated systems to orchestrate hundreds of backend services & databases across tens of kubernetes clusters, tens of thousands of data processing jobs and tens of thousands of CI/CD builds per week - if that excites you, we want to talk to you.   What you'll be doing The design and implementation of the secure, highly-available infrastructure layer that powers a modern, high-growth, financial services company. Ensure our product engineering organisation can spin up new infrastructure in an unimpeded and rapid manner, through the careful design and implementation of shared IaC libraries, cli tools and codebase patterns. Problem-solve, analyse and debug infrastructure issues & opportunities with members of the wider engineering team. Strategise & execute on the rollout techniques for making sweeping infrastructure changes as we constantly integrate new best practices & security improvements into our setup. Orchestrate multi-region infrastructure and deployments to meet security, availability and compliance requirements. Build, maintain & optimise high-volume CI infrastructure, along with reusable pipeline templates suitable for a microservices architecture. Implement GitOps workflows for declarative application deployments. Improve application monitoring and alerting with Datadog, Prometheus, and Grafana.   What you'll need Required Experience Software Engineering Foundation: Strong background in full-cycle software development. You should be as comfortable building a customer-facing API as you are provisioning a Kubernetes cluster. System Design: Experience driving the architecture and implementation of large-scale, distributed production systems. Strong Programming Skills: Fluent in at least one modern typed language (e.g., TypeScript, Go, Rust, or Java). We write code, not just config. Modern Infrastructure Stack : Hands-on experience with Kubernetes, CI/CD, and sophisticated IaC (Pulumi, Terraform, or CDK). Security Mindset: Deep understanding of modern cyber-security attack vectors and how to bake "secure-by-default" patterns into the platform. Nice to Have TypeScript Fluency: Experience with TypeScript and sophisticated type systems to ensure infrastructure safety. Fintech Expertise: Experience working within regulated environments or high-compliance industries. Data Infrastructure: Familiarity with scaling data engineering pipelines and distributed databases. GitOps: Experience with ArgoCD or Flux for declarative, state-driven deployments. What We Value Systems thinking - understanding how distributed systems work end-to-end Problem-solving - methodical debugging of complex infrastructure issues Collaboration - working with engineering teams to understand their needs Documentation - clear runbooks, technical documentation, and knowledge sharing