• Design, implement, and maintain the Operational Risk Management Framework in accordance with BACEN regulations. • Identify, assess, and monitor operational risk exposures, with emphasis on fraud and IT-related processes. • Develop and validate AI/ML models for fraud detection, anomaly detection, and operational risk quantification. • Build and maintain AI agents to automate operational risk workflows — such as loss event tracking, KRI monitoring, and incident reporting. • Establish and monitor Key Risk Indicators (KRIs) and conduct Risk and Control Self-Assessments (RCSAs) for ongoing risk tracking. • Collaborate with Data Science, Engineering, and Compliance teams to embed risk controls into product and process design. • Conduct scenario analyses and stress tests to evaluate operational resilience and inform management decisions. • Prepare clear, insightful risk reports and dashboards for senior management and regulatory audiences.

• Responsible for actioning day-to-day alerts related to fraud prevention, investigations, and dispute processing. • Monitor and analyze different types of information for decision making. • Assess risk levels and make approval recommendations for onboarding and payment processing limits. • Build trust with customers and internal teams through excellent experience and education. • Provide feedback on risk program improvements and assist in implementing those insights. • Stay informed of fraud trends and relevant regulations for maintaining an exceptional risk program. • Assist in developing fraud detection and risk management systems and tools.

• Identify and analyze new and emerging patterns of fraud and work with internal and external stakeholders to implement new controls. • Assess fraud prevention and detection controls, processes and technology and define and create long term strategies to ensure adequate solutions are in place to mitigate fraud loss without negative impact to the customer experience. • Interface with internal technology team and third-party service provider to drive platform enhancements including enhancements to advanced analytics and machine learning capabilities. • Build and sustain relationships with subject matter experts in state, local, and federal law enforcement as well as partners. • Using automated platform and various reporting mechanisms, monitor accounts and transactions for fraudulent activity through anomalies in behavior and pattern recognition. • Work with cross-functional teams across Ascensus for collaboration on fraud risks and investigations and communicate findings with internal and external stakeholders. • Responsible for protecting, securing, and proper handling of all confidential data held by Ascensus to ensure against unauthorized access, improper transmission, and/or unapproved disclosure of information that could result in harm to Ascensus or our clients. • Assist with other tasks and projects as assigned

• Develop and implement a comprehensive risk detection strategy that aligns with organizational goals and regulatory requirements. • Identify, assess, and prioritize risk factors that could impact operational performance and strategic objectives. • Act with a sense of urgency to implement strategic initiatives. • Work closely with Operations, Product, Analytics, and Data Science teams to create efficient processes for risk identification and mitigation. • Ensure alignment across departments for seamless risk response and continuous improvement. • Utilize 3rd party, analytics and data science tools to enhance risk detection capabilities. • Serve as singular point of contact for the development of predictive models, machine learning algorithms, and dashboards to monitor potential risks in real time. • Lead periodic risk assessments across the entire customer journey and create detailed reports that offer actionable insights. • Present findings to executive leadership and stakeholders, ensuring data-driven decision-making on risk management strategies. • Ensure risk detection frameworks comply with all relevant regulatory requirements. • Collaborate with Regulatory and Compliance departments to stay updated on emerging regulations and incorporate them into the risk management strategy. • Lead and develop a team of risk analysts, fostering a collaborative environment that encourages innovation in risk detection.