Senior Manager - Regulatory Compliance

Nium•San Francisco, CA

3d•Hybrid

About The Position

As Senior Manager of Regulatory Compliance, you will support 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, Nium, Inc.’s BSA Officer, and jurisdictional MLROs to help ensure compliance with the Bank Secrecy Act (BSA), anti-money laundering requirements, and state money transmitter and money services business requirements. The role manages client onboarding, transaction-monitoring escalations, and the detection and prevention of financial crime, including money laundering and terrorist financing. You will support financial crime and AML methodology, monitor regulatory developments and licensing requirements, engage with regulators, identify control gaps, and oversee compliance testing and reporting. The role provides compliance advice to business and management, reviews high-risk institutional client relationships, supports audits and examinations, leads jurisdictional AML/CTF risk assessments, and ensures timely FinCEN reporting. It also contributes to compliance process automation, training, strategic initiatives, and licensing and registration compliance across the Americas. Nium describes its work environment as flexible hybrid, with three days per week in the office. The company offers competitive salaries, performance bonuses, equity for specific roles, medical coverage, an employee assistance program, vacation programs including a year-end shutdown, role-specific training, internal workshops, and a learning stipend. Additional company activities include social events, team bonding activities, happy hours, and team offsites.

Requirements

At least 10–12 years of experience in regulated financial services or payments companies in senior compliance roles.
Robust knowledge of compliance topics, including KYB/KYC, AML/CFT, sanctions, and money transmitter licensing; ideally with exposure to the US and at least one other Americas jurisdiction.
Experience in multi-jurisdictional compliance roles, with exposure to US requirements (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 regulatory environment of the payments and fintech industry 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; see the bigger picture; challenge the status quo; and define scalable, sustainable processes and methodology.
Ability to lead end-to-end process and control improvements across functions and regions.
Ability to prioritize quickly and meet deadlines under pressure.
Strong stakeholder management and communication skills.
Collaborative team-player qualities and demonstrated 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 another 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 meet BSA and FinCEN requirements.
Monitor changes to AML/CTF, sanctions, and licensing requirements across Americas jurisdictions where Nium operates or is pursuing licensure, and ensure processes, policies, and procedures are updated.
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 AML, OFAC, and regulatory compliance control enhancements.
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 subject matter expert on compliance matters across the Americas, particularly US requirements.
Review high-risk institutional client relationships, including financial institutions and Banking as a Service clients, and recommend approval 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, 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 improvements to compliance processes 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 in other jurisdictions.
Own regulatory requirement tracking, periodic reporting obligations, and change management for licensing and registration requirements.
Oversee significant regulatory and independent program audits, including examination preparation, response coordination, findings remediation, and validation of corrective action plans through closure.
Manage client onboarding and oversee transaction-monitoring escalations and financial crime detection and prevention.