Nium

Financial Services

Analyst-RegulatoryCompliance

$70–90k San Francisco, California, United States FULL TIME Remote Friendly
Market Sentiment
HIGH DEMAND

Neural analysis suggests this role is
optimal for Mid+ candidates.

The Brief

“Analyst - Regulatory Compliance at Nium. Skills: Regulatory Compliance, AML, Transaction Monitoring, KYC/KYB. Support US Regulatory Compliance function. Triage escalated onboarding cases”

Industry & Context.

Financial Services
Problems you'll solve

Analytical skills; Investigative skills; Root cause analysis

What They're Looking For.

Must Have

Bachelor's degree or equivalent experience, 4 - 6 years experience in regulatory compliance, AML, BSA, financial crimes, enterprise risk, operational risk, or audit, Experience with US AML regulations, Experience with transaction monitoring, Experience with screening, Experience with KYC and KYB processes, Understanding of AML risk typologies, Understanding of escalation criteria, Experience reviewing escalated cases, Experience reviewing high-risk cases, Understanding of payment flows, Understanding of money transmission, Understanding of banking partnerships, Understanding of regulatory requirements for financial institutions and fintech companies, Familiarity with US financial regulatory laws, Analytical skills, Investigative skills, Documentation skills, Data proficiency

Nice to Have

Familiarity with Americas region regulations, Exposure to multi-jurisdictional compliance frameworks in the Americas, Experience developing compliance program, Experience enhancing compliance program, Exposure to licensing processes, Exposure to regulatory expansion, Exposure to RegTech solutions, Exposure to technology driven compliance solutions

What You'll Do.

Support US Regulatory Compliance function

Triage escalated onboarding cases

Resolve escalated onboarding cases

Ensure regulatory adherence

Support compliance initiatives

Review and assess onboarding cases

Ensure compliance with US regulatory requirements

Provide guidance on KYC matters

Provide guidance on KYB matters

Provide guidance on beneficial ownership analysis

Provide guidance on enhanced due diligence

Resolve complex onboarding scenarios

Identify onboarding control gaps

Identify onboarding process inefficiencies

Identify onboarding enhancement opportunities

Review transaction monitoring alerts

Review screening alerts

Disposition transaction monitoring alerts

Disposition screening alerts

Conduct investigations of suspicious activity

Analyze customer behavior

Analyze transactional activity

Support Suspicious Activity Report preparation

Identify trends in suspicious activity

Identify root causes of suspicious activity

Identify systemic issues

Recommend control enhancements

Recommend process improvements

Act as subject matter resource

Participate in case review forums

Participate in escalation committees

Provide input on risk assessments

Provide input on customer risk rating methodology

Provide input on escalation frameworks

Ensure escalations are handled consistently

Review consumer complaints

Challenge internal responses to complaints

Challenge responses to potential issues

Provide guidance on regulatory requirements

Identify root causes of complaints

Analyze complaint trends

Uncover opportunities for improvements

Address compliance concerns

Recommend corrective actions

Escalate matters to senior management

Assist with regulatory exams

Assist with internal reviews

Assist with compliance testing

Support policy updates

Support procedure updates

Contribute to training initiatives

Contribute to quality assurance initiatives

Assist with metrics reporting

Assist with management reporting

Assist with trend analysis

Support compliance initiatives

Support risk management initiatives

Support licensing related matters

Support regulatory expansion efforts

Provide cross-jurisdictional support

Support Americas jurisdictions

How You'll Work.

Team & Collaboration

Work closely with L1 team leads; Work closely with L1 managers; Partner with Compliance Managers; Partner with internal stakeholders; Work cross functionally; Partner with Compliance; Partner with Legal; Partner with Operations; Partner with Product; Partner with Risk; Partner with Investigations; Collaborate with cross functional partners

Communication Scope

Verbal communication; Written communication

Full Job Description

## Description 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 wit

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