Analyst - Regulatory Compliance

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 trend