Regulatory Compliance Analyst

Company: Nium
Location: Remote (US)
Salary: $70,000 - $90,000 per year

Company Description

Nium is the global leader in real-time, cross-border payments, dedicated to delivering the global payments infrastructure of tomorrow, today. Our payments infrastructure shapes how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. With a payout network supporting 100 currencies across 220+ markets (100 in real-time), Nium enables disbursements to accounts, wallets, and cards, and collections locally in 35 markets. Our card issuance business is available in 34 countries, and we hold regulatory licenses in over 40 countries, ensuring seamless onboarding, rapid integration, and compliance worldwide. Nium is co-headquartered in San Francisco and Singapore.

Role Overview

The Regulatory Compliance Analyst will support the US Regulatory Compliance function, focusing primarily on client and customer onboarding and Level 2 transaction monitoring escalations. This role involves working 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. The position requires strong regulatory knowledge, sound judgment, and the ability to operate both strategically and tactically in a dynamic financial services environment. You will collaborate cross-functionally with Compliance, Legal, Operations, Product, Risk, and other internal stakeholders, clearly communicating complex regulatory requirements to diverse audiences.

Key Responsibilities

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 the preparation of Suspicious Activity Reports (SARs), 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 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.
• 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.
• Support broader compliance and risk management initiatives, including licensing, regulatory expansion, and other key projects.
• 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 practical application of regulatory expectations.
• Experience reviewing and decisioning escalated or high-risk cases.
• Strong understanding of payment flows, money transmission, banking partnerships, and regulatory requirements for 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, enabling the use of insights for strategic decision-making.
• Excellent verbal and written communication skills, with the ability to clearly explain complex issues.
• Strong project management, critical thinking, and time management skills.
• Inquisitive and proactive mindset, with the ability to think strategically and propose practical 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.

Compensation & Benefits

• Salary Range: $70,000 - $90,000 per year (dependent on skills, qualifications, experience, and geographic location).
• Incentives: May include additional incentives such as equity and bonus.
• Performance: Competitive salaries, performance bonuses, sales commissions, equity (for specific roles), and recognition programs.
• Wellness: Medical coverage, 24/7 employee assistance program, generous vacation programs, year-end shutdown, and a flexible hybrid working environment (3 days per week in the office).
• Learning: Role-specific training, internal workshops, and a learning stipend.
• Diversity: Nium is a global company committed to providing a safe and welcoming environment for everyone.