Senior Manager - Regulatory Compliance

Nium • San Francisco, CA

41d • $123,000 - $154,000 • Hybrid

About The Position

Nium is hiring a Senior Manager of Regulatory Compliance to support regulatory obligations and financial crime prevention across the Americas, with a primary focus on the United States. The role works closely with the Head of Regulatory Compliance for the Americas, Nium, Inc.'s BSA Officer, and jurisdictional MLROs to ensure compliance with the Bank Secrecy Act, anti-money laundering requirements, and state money transmitter and MSB requirements. The position manages client onboarding, oversees transaction-monitoring escalations, and leads efforts to detect and prevent financial crime, including money laundering and terrorist financing.

The role supports financial crime and AML methodology, monitors regulatory developments, engages with regulators, and improves AML, OFAC, licensing, and broader compliance controls. It also provides compliance advice to the business, reviews high-risk institutional relationships, supports audits and examinations, leads jurisdictional AML/CTF risk assessments, ensures timely SAR filings, and contributes to compliance training, licensing, process improvement, and strategic initiatives.

Requirements

• At least 10 years of experience in regulated financial services or payments companies in senior compliance roles, with robust knowledge of KYB/KYC, AML/CFT, sanctions, and money transmitter licensing; ideally including exposure to the US and at least one other Americas jurisdiction.
• Experience in multi-jurisdictional compliance roles, with exposure to US BSA, FinCEN, and state money transmitter requirements and/or AML/CTF and licensing regimes in Canada, Mexico, Brazil, or other Americas markets.
• Deep understanding of the payments and fintech regulatory environment in the Americas, particularly the United States.
• Strong analytical and problem-solving skills, including experience implementing compliance solutions.
• Accountability and a positive demeanor.
• Ability to identify risks, control gaps, and inefficiencies; consider broader implications; challenge the status quo; and define scalable, sustainable processes and methodology.
• Ability to lead end-to-end process and control improvements cross-functionally and across regions.
• Ability to prioritize quickly and meet deadlines under pressure.
• Strong stakeholder management and communication skills.
• Collaborative team-player qualities, including ability to work effectively with cross-functional teams.
• Fluent spoken and written English.
• Demonstrated experience building, managing, or materially contributing to a money transmitter or money services business compliance program.
• Significant experience engaging regulators and managing regulatory examinations and independent program audits in the US and/or other Americas jurisdictions.

Nice To Haves

• ACAMS or CRCM certification, or a relevant professional compliance certification.
• Experience with correspondent banking, Banking as a Service, or financial institution clients from the Americas region.
• Fluent spoken and written Spanish and/or Portuguese.
• Experience building and leading compliance teams or mentoring junior compliance professionals.

Responsibilities

• Support the development and implementation of financial crime and AML methodology to manage regulatory risk and comply with BSA and FinCEN requirements.
• Monitor AML/CTF, sanctions, and licensing requirements across Americas jurisdictions where Nium operates or is pursuing licensure, and ensure processes, policies, and procedures are updated promptly.
• Serve as a day-to-day regulator contact on AML/CTF and licensing matters across the Americas, coordinating engagement with the Head of Regulatory Compliance for the Americas and the relevant BSA Officer or MLRO.
• Identify control gaps and lead implementation of enhancements in AML, OFAC, and Regulatory Compliance.
• Support compliance oversight and testing, and oversee internal reporting on AML/CTF controls, fraud, and periodic compliance matters.
• Advise the business and management as a compliance subject matter expert across the Americas, particularly on US requirements.
• Review and recommend decisions on high-risk institutional client relationships, including financial institutions and Banking as a Service clients, under Nium's risk acceptance framework.
• Support external audits and regulatory examinations across the Americas, including AML audits and US state examinations, and coordinate responses to bank partner requests.
• Lead AML/CTF risk assessments for each Americas jurisdiction across product, service, customer, and geographic dimensions; identify control gaps and develop remediation plans for the enterprise risk assessment maintained by the BSA Officer.
• Ensure timely and accurate filing of FinCEN reports, including Suspicious Activity Reports (SARs), within legal deadlines.
• Support advisory initiatives to improve and streamline compliance operations and systems through automation and technology.
• Support rollout and ongoing management of the Compliance Training Framework.
• Participate in compliance- or business-driven projects, including regulatory developments and strategic initiatives.
• Support licensing and registration compliance across the Americas, including US state money transmitter licensing, FinCEN MSB registration, and equivalent obligations; own regulatory requirement tracking, periodic reporting, and change management.
• Oversee significant regulatory and independent program audits, including examination preparation, response coordination, findings remediation, and validation of corrective action plans to closure.

Benefits

• Competitive salaries.
• Performance bonuses, sales commissions, equity for specific roles, and recognition programs.
• Medical coverage.
• 24/7 employee assistance program.
• Generous vacation programs, including a year-end shutdown.
• Flexible hybrid working environment, with three days per week in the office.
• Role-specific training and internal workshops.
• Learning stipend.
• Company-wide social events, team bonding activities, happy hours, and team offsites.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed