Senior Analyst - Regulatory Compliance

Compliance – Regulatory Compliance /
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

Reporting to the SG Head of Compliance and MLRO the successful candidate will sit in the SG Compliance Team and be part of the due diligence workgroup of the AML function. They will be responsible for onboarding of B2B clients including Financial Institutions, Agents, Distributors and Technical Partners, and providing compliance and regulatory guidance on how to implement AML controls. This will include the operation of the ongoing client due diligence review program, as well as driving ongoing enhancements and automation to the onboarding processes.

What would a day @Nium look like?

    • Onboarding of new SG/AU/HK B2B clients and partners, providing compliance support and guidance to clients integrating with Nium’s services via API.
    • Assessing the implementation of regulatory requirements by the client or partner.
    • Providing expert advice to the Business on KYC/AML requirements, including on complex cases.
    • Work with clients to understand and provide feedback on the clients’ product design and parameters
    • Perform KYB/KYC due diligence, customer onboarding.
    • Use technology and machine learning to build capabilities to scale for analysis of high risk transactions within a business portfolio.
    • Conduct Modelling exercise and design new use cases as applicable
    • Ensure all Client Due Diligence requests and activities are resolved within agreed timeframes, and any issues or bottlenecks that arise are escalated in a timely manner.
    • Escalate potential sanctions, PEP and adverse media or suspicious activity concerns to the MLRO.
    • Assisting in the development and ongoing improvement of policies and procedures in relation to onboarding and ongoing due diligence.
    • Assist with metrics and other ad-hoc management information or reporting.
    • Keeping informed of any changes to regulation, processes and procedures.
    • Acting as a subject matter expert for the business on compliance-related matters.

Which Skills & Experiences will make you successful?

    • At least 3-4 years experience working in a compliance role, ideally with experience in performing AML audits/testing.
    • Able to work in a fast paced environment and deal with sudden changes in priorities.
    • Able to build and maintain strong working relationships with key stakeholders within the business including the Business Development and Project Management teams.
    • Good working knowledge of the SG regulatory framework and relevant AML rules and legislation.
    • Ability to work effectively as part of a team as well as to accomplish tasks with minimal supervision within tight deadlines.
    • Experience in conducting due diligence on and maintaining ongoing oversight of FI clients and/or agents.
    • Ability to identify red flags and suspicious activity relating to AML, CTF and fraud.
    • Strong analytical and problem-solving ability.
    • Excellent communication and interpersonal skills.
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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. 

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