From Fragmentation to Future-Readiness

Brazil’s financial sector is at a turning point. With global regulators handing out billions in fines for off-channel communications, communications surveillance has become a board-level priority. For Brazilian firms, where WhatsApp dominates professional interactions, the challenge isn’t if to monitor, but how to capture, retain and govern mobile, voice and messaging data effectively.
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WhatsApp: Brazil’s Compliance Blind Spot

With adoption rates above 95%, WhatsApp is the backbone of Brazil’s financial communication. Yet for many institutions, WhatsApp capture and archiving remain underdeveloped. This leaves critical conversations unmonitored and firms exposed to regulatory scrutiny.

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Key insight: Surveillance must evolve from passive record-keeping to real-time WhatsApp capture, transcription and policy enforcement.

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Cross-Border Complexity

Brazilian firms with U.S. or European ties face overlapping requirements from the SEC, FCA and CVM. Firms need a flexible approach that meets the needs of a global and local market. Success means combining:

• Local deployment that respects data sovereignty
• Portuguese-enabled transcription and mobile capture
• Consistent retention policies across jurisdictions

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Key insight: Solutions must be globally consistent but locally flexible.

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The AI Opportunity

Artificial intelligence offers huge potential to enhance surveillance, from voice transcription to proactive risk detection. But AI only works with strong foundations: structured data, clear metadata and governance frameworks. Without this base, overlaying AI tools can generate high false positives, alert fatigue and opaque decisions that are hard to justify.

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Key insight: Brazil can leapfrog global peers by putting in place AI-ready foundations today.

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From Reactive to Proactive Surveillance

Effective compliance is evolving from siloed, reactive surveillance to identifying and protecting against risk before it materialises. Compliance teams need to work with the business to empower employees and embed governance directly into existing workflows.

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Strategic Surveillance Modernisation

To future-proof surveillance, Brazilian institutions should prioritise:

• End-to-end visibility across WhatsApp, voice and mobile
• Behavioural monitoring, not just archiving
• Structured data environments
• Scalable, modular platforms ready for growth
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Brazil has a unique opportunity to design smarter compliance frameworks from the ground up, avoiding costly retrofits and setting new benchmarks for the region. The market is evolving fast and compliance teams and systems must evolve too, staying one step ahead of regulatory demands and shifting communication behaviours.

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Download the full report to explore the key challenges facing Brazilian firms, from WhatsApp capture to AI readiness, and discover how future-ready surveillance can turn compliance into a competitive advantage.

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