Analyst - Compliance Operations

Compliance – Compliance Operations /
Full-time /
Nium, the Leader in Real-Time Global Payments 
At Nium, we operate at the intersection of an increasingly interconnected world, where the traditional finance industry has been disrupted, and on-demand is in demand. Our payments infrastructure is leading a transformation in payments, enabling anyone, anywhere to make and receive payments instantly, regardless of the location or currency. We currently support: 
-Regulatory Licenses and Authorizations in 40+ Countries, enabling seamless onboarding, rapid integration, and compliance
-190+ Pay Out Markets – 100+ in real time
-35+ Pay In Markets
-30+ Card Issuance Markets
-100+ Supported Currencies 
Today, Nium is the leader in real-time global payments and the fastest way to send money across borders. We are co-headquartered in San Francisco and Singapore, with regional offices in Australia, Brazil, Hong Kong, India, Indonesia, Japan, Lithuania, London, Malaysia, Malta, Netherlands, and UAE. 

Your Next Exciting Role

At the heart of our commitment to excellence is our dedicated Compliance Team, specifically tailored to  onboarding new merchants. The compliance operations team plays a pivotal role in ensuring that Nium's operations adhere to the highest regulatory standards, guaranteeing a secure and compliant onboarding experience for our clients.

Our Compliance Team is comprised of professionals with a deep understanding of global financial regulations, enabling them to navigate the complexities of the payments industry with finesse and precision. Joining Nium's Compliance Team means being part of a dynamic and forward-thinking group that actively contributes to shaping the future of financial services.

As we continue to expand our footprint globally, we seek individuals who are passionate about compliance, possess a keen eye for detail, and are driven to maintain the highest standards of integrity.

What would a day @Nium look like?

    • Conduct in-depth AML/CTF investigations on escalated alerts and cases, identifying potential areas of financial, reputational, and regulatory risk.
    • Utilize expert knowledge of money laundering, financing of terrorism, and related issues to resolve investigations promptly, preventing negative impacts on the company’s financial position and reputation.
    • Review and analyse daily AML/CTF cases, ensuring compliance with internal policies and regulatory standards. Document occurrences for regulatory and audit reviews.
    • Perform open-source and external database searches to mitigate the impact of adverse information on investigation subjects.
    • Handle complex and confidential cases independently, ensuring a complete audit trail for all alerts and cases.
    • Monitor assigned businesses or products for AML activity and conduct autonomous reviews and investigations.
    • Identify current and emerging transaction typologies, staying proactive in knowledge development.

Which Skills & Experiences will make you successful?

    • 2 - 4 years exp (2 years min in AML transaction monitoring, SAR filling, Sanction Screenings, Investigations)
    • Education: Graduate or post-graduate qualifications in Law, Finance, Accounting, management studies could be preferred.
    • Transaction data analysis and working with regtechs and automation skills are important.
    • Ability to identify suspicious and fraudulent activity and other trends typical to financial services.
    • Preparation of Suspicious Activity Report (SAR) to MLRO / Country Financial Investigation Unit (FIU).
    • Ability to work independently and self-motivated.
    • Attention to detail, efficiency, and ability to work under pressure within tight deadlines.
    • Proactive, with the ability to take initiative and handle stressful situations professionally.
    • Team player with strong interpersonal skills and a professional business attitude.
    • Strong problem-solving and analytical skills with an investigative mindset.
    • Good hands-on experience with Advanced MS-Excel including Macros is an added advantage. Knowledge with data analytics will be an added advantage (not mandatory).
    • Financial crime compliance background may range from Client Due Diligence and AML experience which includes Sanctions screening, Transaction Monitoring, PEP screening, SAR filling and Investigations.
    • For Sr Analyst levels, candidates who are part of Fin Crime compliance QC/QA process would be preferred.
    • Candidates need to have great English communication skills (both verbal and writing).

Work Timings & Shifts

    • There are currently 4 shifts: 6:30 AM – 3:30 PM / 10 AM – 7 PM / 2PM – 11 PM / 5 PM – 2 AM
    • Only 10 AM – 7 PM shifts will have Work from Office at present, but this is on a rotational basis. All other shifts will be in WFH mode at this time.
    • Candidates should be willing to do rotational shifts (including night shifts) and should be flexible on working on either Saturday OR Sunday and Public holidays as well.
    • We follow 5 days’ work policy so people working on Friday and Sat may avail leave on Sunday and Monday and working on Public Holidays will make them eligible for compensatory offs too.
    • Weekends and Public Holidays working will be on WFH mode for now.
    • Working on night shift will be eligible for special night allowance.
    • Location: Nirlon Complex, Mumbai (Goregaon East) 

Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice

What we offer at Nium  
We Value Performance: Through competitive salaries, performance bonuses, uncapped sales commissions and robust performance reviews, we ensure that all employees are rewarded and incentivized for their hard work. 
We Care for Our Employees: The wellness of Nium’ers is our #1 priority. In addition to many other benefits, we offer medical coverage, 24/7 employee assistance program, generous time off policies, and a year-end shut down. We also provide a hybrid working environment (3 days per week in the office). 
We Upskill Ourselves: We are curious, always want to learn more and upskill ourselves. As well as role-specific training, we also offer a global learning stipend. 
We Constantly Innovate: Nium continues to be globally recognized for its constant innovations, growth, and employee-centric mindset since our inception: 
-2022 Great Place To Work Certification
-2023 CB Insights Fintech 100 List of Most Promising Fintech Companies
We Celebrate Together: Work is also about having fun with your colleagues and forging deep relationships. We host company-wide social events onsite and virtually, provide team morale budget and bonding activities, happy hours, team offsites, and much more!  
We Thrive with Diversity: Across 33 nationalities and 18+ countries, our diverse and multicultural team embodies our commitment to a safe and welcoming environment for everyone.  
What it’s like to be a Nium'er 
At Nium we center our way of work around 3 core values globally: 
#KeepItSimple: We cut through complexity, simplify at speed and operate with scale in mind. 
#MakeItBetter: We build innovative solutions that make our customers' lives better. 
#WinItTogether: We win in this competitive market by collaborating as one team. 

For more information, visit