Senior Manager - Regulatory Compliance

San Francisco Compliance – Regulatory Compliance /Full-time /Hybrid 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. About the Role As Senior Manager of Regulatory Compliance, you will play a key role within Nium’s Regulatory Compliance team, supporting regulatory obligations and financial crime prevention across the Americas, with a primary focus on the United States. You will work closely with the Head of Regulatory Compliance for the Americas, and BSA Officer for Nium, Inc.,

and jurisdictional MLROs to ensure compliance with the Bank Secrecy Act (BSA), anti-money laundering requirements, and state money transmitter and MSB requirements. You will manage client onboarding, oversee transaction monitoring escalations, and lead the detection and prevention of financial crime, including money laundering and terrorist financing.

Key Responsibilities Support the development and implementation of Financial Crime and AML methodology to manage regulatory risk and ensure adherence to Bank Secrecy Act requirements and Financial Crimes Enforcement Network (FinCEN) regulations.

Monitor changes to AML/CTF, sanctions, and licensing requirements across all Americas jurisdictions in which Nium operates or is pursuing licensure, including US federal and state requirements, and ensure the organization promptly adapts its processes, policies, and procedures.

Serve as a day-to-day point of contact for regulators on AML/CTF and licensing matters across the Americas, including FinCEN and state money transmitter regulators in the US, and coordinate regulator engagement with the Head of Regulatory Compliance for the Americas and the relevant BSA Officer or MLRO.Identify control gaps and lead the implementation of control enhancements in AML, OFAC, and Regulatory Compliance.

Support compliance oversight and testing activities and oversee internal reporting on AML/CTF internal controls, fraud, and periodic compliance matters.

Act as a subject matter expert for the business and management on compliance-related matters across the Americas, with particular depth on US requirements.

Review and provide recommendations on high-risk institutional client relationships across the Americas, including financial institutions and Banking as a Service clients, for approval under Nium’s risk acceptance framework.

Support external audits and regulatory examinations across the Americas, including AML audits, US state examinations, and other jurisdictional reviews, and coordinate responses to bank partner requests.

Lead the AML/CTF risk assessment process for each Americas jurisdiction across product, service, customer, and geographic dimensions, feeding into the enterprise risk assessment maintained by the BSA Officer. Identify control gaps and develop remediation plans.

Ensure timely and accurate filing of FinCEN reports, including Suspicious Activity Reports (SARs), in accordance with legal deadlines.

Support advisory initiatives to improve and streamline compliance operational processes and systems through automation and technology.

Support the rollout and ongoing management of the Compliance Training Framework.

Participate in Compliance or business-driven projects, including regulatory developments and strategic initiatives.

Support the licensing and registration compliance program across the Americas, including US state money transmitter licensing, FinCEN MSB registration, and equivalent obligations in other jurisdictions. Own regulatory requirement tracking, periodic reporting obligations, and change management for these requirements.

Oversee and manage significant regulatory and independent program audits, including examination preparation, response…