Senior Manager - Regulatory Compliance

About the role

Nium, a global leader in real-time, cross-border payments, is hiring a Senior Manager of Regulatory Compliance in San Francisco. You will support regulatory obligations and financial crime prevention across the Americas, with a primary focus on the United States, working closely with the Head of Regulatory Compliance for the Americas, the BSA Officer and jurisdictional MLROs. The role covers the Bank Secrecy Act, anti-money laundering requirements and state money transmitter and MSB rules.

Key responsibilities

• Support the development and implementation of Financial Crime and AML methodology, ensuring adherence to BSA and FinCEN requirements
• Monitor AML/CTF, sanctions and licensing requirements across Americas jurisdictions and adapt processes, policies and procedures accordingly
• Serve as day-to-day point of contact for regulators on AML/CTF and licensing matters, coordinating with the Head of Regulatory Compliance and the BSA Officer or MLRO
• Identify control gaps and lead control enhancements in AML, OFAC and regulatory compliance
• Support compliance oversight and testing, internal reporting on AML/CTF controls, fraud and periodic compliance matters, and act as subject matter expert for the business and management
• Review high-risk institutional client relationships against the risk acceptance framework
• Support external audits and regulatory examinations, and coordinate responses to bank partner requests
• Lead the AML/CTF risk assessment per jurisdiction and develop remediation plans
• Ensure timely and accurate filing of FinCEN reports, including SARs
• Support automation of compliance processes, the Compliance Training Framework, and the licensing and registration program (state money transmitter licensing, FinCEN MSB registration)
• Oversee significant regulatory and independent program audits, including examination preparation, response coordination and remediation

Required profile

• 10-12 years minimum of experience in senior compliance roles within regulated financial services or payments companies, ideally with US and another Americas jurisdiction exposure
• Multi-jurisdictional compliance experience, including US BSA, FinCEN and state money transmitter requirements, and/or AML/CTF and licensing in Canada, Mexico, Brazil or other Americas markets
• Deep understanding of the payments and fintech regulatory environment in the Americas, especially the US
• 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 audits in the US and/or other Americas jurisdictions
• Preferred: ACAMS or CRCM certification or another relevant professional compliance certification
• Fluent spoken and written English; Spanish and/or Portuguese highly desired

Required skills

• Knowledge of KYB/KYC, AML/CFT, sanctions and money transmitter licensing
• Strong analytical skills, problem-solving and stakeholder management
• Ability to lead cross-functional process and control improvements and to work under pressure