Analyst - Regulatory Compliance

Job Description

Job Description

Nium, Global Leader in Payments

 

Nium, the global leader in real-time, cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders.  

Its payout network supports 100 currencies and spans 220+ markets, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 35 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore. 

Role Overview 

The Regulatory Compliance Analyst will support the US Regulatory Compliance function with a primary focus on client and customer onboarding and Level 2 transaction monitoring escalations. This role will work closely with L1 team leads and managers to triage and resolve escalations, ensure regulatory adherence, and support broader compliance initiatives across the US entity and, as needed, other Americas jurisdictions. 

This role will contribute to a wide range of regulatory compliance activities that support both licensing protection and business growth. The position requires strong regulatory knowledge, sound judgment, and the ability to operate both strategically and tactically in a dynamic financial services environment. The ideal candidate will be comfortable working cross functionally with Compliance, Legal, Operations, Product, Risk, and other internal stakeholders, and will be able to clearly communicate complex regulatory requirements to a wide range of audiences. 

Client/Customer Onboarding Oversight

• Review and assess escalated onboarding cases to ensure compliance with US regulatory requirements, including BSA, AML, sanctions, and applicable state and federal regulations. 

• Provide guidance to L1 teams on complex KYC and KYB matters, beneficial ownership analysis, and enhanced due diligence requirements. 

• Partner with Compliance Managers and other stakeholders to resolve high risk or complex onboarding scenarios while balancing compliance requirements and customer experience. 

• Assist in identifying onboarding control gaps, process inefficiencies, and opportunities for enhancement. 

Transaction Monitoring (L2 Escalations)

• Review and disposition Level 2 transaction monitoring and screening alerts and escalations. 

• Conduct detailed investigations of potentially suspicious activity, including customer behavior analysis, transactional analysis, and documentation review. 

• Support preparation of Suspicious Activity Reports, as required. 

• Identify trends, root causes, or systemic issues and recommend control enhancements and process improvements. 

Escalation Triage & Advisory

• Act as a subject matter resource to L1 teams and internal stakeholders. 

• Participate in case review forums and escalation committees, as applicable. 

• Provide input on risk assessments, customer risk rating methodology, and escalation frameworks. 

• Partner with Compliance, Investigations, Operations, and other teams to ensure escalations are handled consistently and in accordance with regulatory expectations and internal procedures. 

Consumer Complaints and Regulatory Advisory

• Review and credibly challenge internal responses to consumer complaints and potential issues raised by the operations team. 

• Provide guidance regarding a wide variety of regulatory requirements, including but not limited to credit reporting, disputes, bankruptcy, fair lending, and UDAAP. 

• Review customer complaints to identify root causes, analyze trends, and uncover opportunities for product, service, and process improvements to address recurring issues. 

• Work with cross functional partners to address compliance concerns, recommend corrective actions, and escalate matters to senior management when appropriate. 

Regulatory Compliance Support

• Assist with regulatory exams, audits, internal reviews, and other compliance testing activities. 

• Support policy and procedure updates aligned with evolving regulatory requirements and industry best practices. 

• Contribute to training and quality assurance initiatives within the Compliance function. 

• Assist with metrics reporting, management reporting, and trend analysis to support strategic decision making and process improvement. 

• Support broader compliance and risk management initiatives, including licensing related matters, regulatory expansion efforts, and other key projects, as needed. 

• Provide cross- jurisdictional support across the Americas, as needed. 

Qualifications

Required 

• Bachelor’s degree or equivalent experience. 

• 4 - 6 years of experience in regulatory compliance, AML, BSA, financial crimes, enterprise risk, operational risk, or audit within a fintech, payments company, regulated financial institution, or regulatory agency. 

• Strong experience with US AML regulations, transaction monitoring, screening, and KYC and KYB processes. 

• Strong understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practice. 

• Experience reviewing and decisioning escalated or high-risk cases. 

• Strong understanding of payment flows, money transmission, banking partnerships, and regulatory requirements applicable to financial institutions and fintech companies. 

• Familiarity with financial regulatory laws, rules, regulations, and industry best practices across the United States and, preferably, the Americas region. 

• Strong analytical, investigative, and documentation skills. 

• Strong data proficiency, including the ability to work with data and leverage insights for strategic decision making. 

• Excellent verbal and written communication skills, with the ability to clearly explain complex issues to front line teams, senior management, and other stakeholders. 

• Strong project management, critical thinking, and time management skills. 

• Inquisitive and proactive mindset, with the ability to think strategically and propose practical, effective solutions. 

• Strong curiosity about fintech, payments, and consumer financial protections. 

Preferred 

• CAMS or similar compliance or anti-money laundering certification. 

• Experience supporting US Money Transmitter License environments. 

• Exposure to multi-jurisdictional compliance frameworks in the Americas. 

• Experience developing, maintaining, or enhancing a compliance program within a financial institution, preferably related to payments activity. 

• Exposure to licensing processes, regulatory expansion, and RegTech / other technology driven compliance solutions. 

Salary ranges are dependent on a variety of factors, including skills, qualifications, experience, and geographic location. Certain roles may offer additional incentives including but not limited to equity and bonus. Your recruiter is happy to share more information about the salary range specific to your working location and other factors at any stage of the hiring process

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: 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 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 Constantly Innovate : Since our inception, Nium has received constant recognition and awards for how we approach both our business and talent opportunities. Check out CNBC World’s Top Fintech Companies 2024.

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:  -perks  

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Nium provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. In addition to federal law requirements, Nium complies with applicable state and local laws governing non-discrimination in employment in every location in which the company operates. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Nium expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. 

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.