Lead Regulatory Compliance

Job description

Nium is the global infrastructure company powering real-time cross-border payments. Founded to deliver the payments infrastructure of tomorrow, today, we are building a programmable, borderless, and compliant money-movement layer that powers transactions between people, businesses, and intelligent systems — enabling banks, fintechs, payroll providers, travel platforms, marketplaces, and other global enterprises to move money instantly, anywhere in the world.

Co-headquartered in San Francisco and Singapore, with offices in 14 markets and team members across 20+ countries, we take pride in a culture anchored in Keeping It Simple, Making It Better, and Winning Together. 2025 was the strongest year in our 10-year history, with record revenue, record transaction volumes, and EBITDA profitability — and we are now entering one of the most dynamic chapters in our journey. We believe the best work happens face-to-face, and we operate a hybrid model with three in-office days per week to strengthen collaboration, alignment, and innovation.

We move over $50B annually across a network that spans 190+ countries, 100 currencies, and 100 real-time corridors. We power fast payouts to accounts, wallets, and cards; enable local collections in 35 markets; and support card issuance in 34 countries — all backed by licenses across 40+ markets.

With over $300M raised to date, Nium offers ambitious builders the opportunity to shape the future of global money movement — at scale.

About the Role

As the Lead - Regulatory Compliance, you will be working as part of Nium’s global, dynamic compliance team and will be reporting directly to the SG MLRO for Nium. The Compliance team is responsible for advising the Nium business unit on all compliance matters and ensuring the policies and procedures for Nium are accurate and always updated in real time. In addition, you will also be responsible for daily escalations for Nium clients across the globe on client onboarding, transaction monitoring, and for the detection and prevention of financial crime including, money laundering, and terrorist financing.

Key Responsibilities

• Review, assess and maintain Nium’s AML/CFT policies, procedures, and controls in accordance with country specific regulatory requirements.
• Assist the SG MLRO in compliance/AML related advisory for new products launches and enhancements to existing ones.
• Assist to improve and streamline end to end compliance operational processes through automation and technology to enable scaling of the Nium business unit.
• Ensure all due diligence requests and escalations, including review of clients’ profile, risk rating, name screening, verification of documentations during the clients’ lifecycle are resolved within agreed timeframes, and any issues or bottlenecks that arise are escalated in a timely manner.
• Perform periodic, trigger, and ad hoc AML reviews on clients’ profile, and ensure that adverse news hits and increased risk factors have been appropriately identified and escalated in accordance with Nium’s specific procedures and requirements.
• Perform due diligence on payment partners and other 3rd party vendors and ensure risk factors have been appropriately identified and escalated in accordance with Nium’s specific procedures and requirements.
• Conduct quality assurance checks for Nium, highlighting control gaps and working with stakeholders to ensure remediation is completed timely.
• Work with internal stakeholders to understand and provide feedback on the product design and parameters, perform KYB/KYC due diligence, customer onboarding.
• Use technology and machine learning to build capabilities to scale for analysis of high-risk transactions within a business portfolio.
• Conduct Modelling exercise and design new use cases as applicable.
• Participating in compliance or product-driven projects, including regulatory developments and strategic initiatives

Requirements

• At least 7 years’ experience within regulated companies, in compliance role(s) with robust knowledge on compliance topics (KYB / KYC, AML/CFT, Sanctions etc.)
• Good understanding of the Payments/Fintech industry
• Knowledge and experience (preferably within Payments/Fintech) in using risk-based approach to balance commercial needs with ML/TF/PF risks in decision making
• ACAMS/ICA certified (preferably)
• Strong analytical skills with experience in problem solving and being able to implement and deliver solutions
• A self-motivator with the ability to get things done
• Ability to identify inefficiencies, see the bigger picture, challenge the current status quo and define scalable and sustainable processes and methodology
• Able to prioritise quickly and meet deadlines under pressure
• Strong stakeholder management and communication skills
• Team player with strong collaborative qualities

What we offer at Nium

We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work.

We Care for Our Employees: The wellness of Nium’ers is our #1 priority. We offer medical coverage along with ²⁴⁄₇ employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible working hybrid working environment (3 days per week in the office).

We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.

We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more!

We Thrive with Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.