Senior Analyst - 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.

We are seeking an Associate, Compliance (AML / Regulatory Compliance) to join our growing Compliance team in Japan. This role is well suited to a candidate with an operations background who has hands-on exposure to cross-border payments or funds transfer businesses and a strong interest in developing deeper expertise in AML/CFT and regulatory compliance.

This is an associate-level role focused on operational AML and regulatory activities, with structured on-the-job training to build higher-level AML knowledge over time. You will support key regulatory and AML processes, working closely with local and global stakeholders while ensuring Nium continues to meet its regulatory obligations in Japan.

Responsibilities

• AML / Financial Crime Operations
• Support day-to-day AML/CFT operational activities in line with Japanese regulations and Nium global policies
• Assist with STR (Suspicious Transaction Report)-related processes, including data gathering, documentation, and coordination to support timely submissions
• Conduct transaction-level reviews with a strong understanding of cross-border payment flows and funds transfer mechanics
• Support periodic AML reviews, monitoring activities, and regulatory reporting requirements
• Regulatory Compliance Support
• Assist with preparation and submission of periodic regulatory filings and reports to Japanese regulators
• Support regulatory requests, inquiries, and examinations under the guidance of senior Compliance team members
• Maintain accurate records, logs, and documentation in line with regulatory standards
• Track regulatory deadlines and ensure timely completion of assigned tasks
• Stakeholder Collaboration
• Work closely with Operations, Risk, Product, and Global Compliance teams
• Support internal communication between local Japan stakeholders and global teams in English
• Escalate issues, risks, or concerns clearly and promptly
• Continuous Learning & Development
• Build deeper AML/CFT and regulatory knowledge through structured on-the-job training
• Stay informed of updates to Japanese AML and payments regulations
• Contribute to process improvements and operational best practices over time

Requirements

• Associate-level experience, ideally from an Operations, Payments, or Financial Services background
• Hands-on experience in cross-border payments or funds transfer businesses, with a solid understanding of transaction flows
• Practical, operational-level knowledge of AML/CFT (screening, monitoring, STR support, regulatory reporting)
• Native-level Japanese, with the ability to understand complex Japanese laws and regulations and communicate professionally with regulators
• Business-level English, sufficient for written and verbal communication with global stakeholders
• Strong attention to detail, accuracy, and reliability in handling regulatory and AML tasks
• High integrity, professionalism, and sense of ownership

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.