Director Regulatory Compliance MLRO

Job description

About Nium

Nium is the leading global infrastructure for real-time cross-border payments. We were founded on the mission to deliver the global payments infrastructure of tomorrow, today. Our platform enables banks, fintechs, and global businesses to move money instantly, everywhere.

Co-headquartered in San Francisco and Singapore with offices in 14 markets worldwide, we are entering one of the most exciting chapters in our journey. In July 2025, we delivered the largest month in our 10-year history with record revenue, record volumes, and EBITDA profitability. Today, Nium moves nearly $50B in payments annually, almost entirely for enterprises, while continuing to strengthen an already healthy balance sheet.

It is an incredible time to join us, and we are only just getting started.

Our payout network spans 190+ countries and 100 currencies, with 100 corridors in real time. We power seamless transfers to accounts, wallets, and cards, support local collections in 35 markets, and run a card issuance business live in 34 countries. Backed by regulatory licenses in more than 40 markets, we make it simple for our partners to onboard, integrate, and scale globally. This scale and innovation have earned us recognition as one of CNBC’s World’s Top Fintech Companies 2025, winner of Best Cross-Border Payments Solution at the PayTech Awards, and inclusion in FXC Intelligence’s Top 100 Cross-Border Payments Companies list.

In 2024, we raised US$50 million in Series E funding at a US$1.4 billion valuation to accelerate network expansion, product innovation, and talent growth. With the B2B payments market projected to hit US$175 trillion by 2030, Nium offers ambitious builders the chance to shape the future of global money movement with the scale of a leader and the energy of a high-growth company.

About the Role

As Nium’s appointed Money Laundering Reporting Officer (MLRO) for Brazil, you will be responsible for ensuring compliance with all applicable Brazilian regulations (Central Bank, COAF, CVM) and alignment with Nium’s global compliance standards. You will report directly to the Chief Compliance Officer (CCO) and be an integral member of Nium’s global Compliance leadership team.

This appointment is contingent on successfully passing the regulators’ Fit and Proper assessment and maintaining ongoing approval under Brazilian law.

This role combines statutory accountability with strategic leadership, overseeing financial crime risk management across Brazil, engaging directly with regulators, partner banks, and internal stakeholders to safeguard Nium’s operations.

Key responsibilities

Regulatory Compliance & Governance

• Act as Nium’s designated MLRO in Brazil, including responsibility for regulatory filings (e.g., SAR/STR to COAF).
• Serve as primary point of contact with Brazilian regulators (Central Bank, COAF, CVM) and partner banks.
• Ensure alignment of Brazilian compliance framework with Nium’s global standards and policies.
• Lead compliance reporting into Brazilian subsidiary boards and committees.

Financial Crime & AML Framework

• Develop, implement, and maintain AML/CTF methodology tailored to the Brazilian market, including PIX-specific risks and cross-border FX/remittance flows.
• Conduct country-level risk assessments, identifying gaps and implementing scalable controls.
• Oversee transaction monitoring, sanctions screening (OFAC, UN, EU, Brazilian lists), and high-risk client reviews (FI, BaaS, institutional).
• Horizon-scan for regulatory changes and update controls accordingly.

Controls, Testing & Audit

• Lead AML/CTF internal control reporting, fraud oversight, and periodic risk reviews.
• Manage compliance oversight and testing program; issue findings and remediation plans.
• Lead external audits, regulatory inspections, and partner bank due diligence processes.

Training & Culture

• Roll out Compliance Training Framework across Brazil, including board-level awareness sessions.
• Build and mentor a local compliance team to strengthen first- and second-line defenses.

Innovation & Process

• Drive compliance process automation and adoption of RegTech solutions to improve scalability.
• Develop dashboards and MI reporting for senior management (including OPI+ integration where relevant).

Requirements

• Minimum 10 years’ experience in senior compliance roles within regulated institutions, ideally Payments/Fintech.
• Demonstrated expertise in Brazilian financial regulation, including Central Bank licensing and COAF reporting.
• Proven experience managing AML/CTF frameworks in cross-border payments and remittances.
• Strong knowledge of correspondent banking, FI, and Banking-as-a-Service (BaaS) clients in the Americas.
• Professional certifications: ACAMS/CRCM required; Brazilian compliance/legal affiliations (e.g., OAB, ABBC/Febraban forums) preferred.
• Fluent in Portuguese and English (written and verbal).
• Strong analytical, problem-solving, and leadership skills; able to design and implement sustainable controls.
• Track record of effective regulator engagement and board-level compliance reporting.
• Experience in building, leading, and motivating compliance teams.
• Collaborative, pragmatic, and adaptable mindset with the ability to balance regulatory requirements and business needs.

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.

For more detailed region specific benefits :  https://www.nium.com/careers#careers-perks

For more information visit www.nium.com

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