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Lead - Regulatory Compliance
NiumSingaporeSenior5+ years
Apply Nium provides global infrastructure for real-time cross-border payments. We were founded on the mission to deliver the global payments infrastructure of tomorrow, today. Our platform enables banks, fintechs, and global businesses to move money instantly, everywhere.
Co-headquartered in San Francisco and Singapore with offices in 14 markets worldwide, we are entering one of the most exciting chapters in our journey. In March 2026, we delivered the largest month in our 11-year history with record revenue, record volumes, and EBITDA profitability. Today, Nium moves nearly $60B in payments annually, almost entirely for enterprises, while continuing to strengthen an already healthy balance sheet.
It is an incredible time to join us, and we are only just getting started.
Our payout network spans 190+ countries and 100 currencies, with 100 + corridors in real time. We power seamless transfers to accounts, wallets, and cards, support local collections in 35 markets, and as a principal card issuer on Visa, Mastercard, Discover, and UATP, Nium issues over 50 million card tokens every year. Backed by regulatory licenses in 40+ markets, we make it simple for our partners to onboard, integrate, and scale globally. This scale and innovation have earned us recognition as one of CNBC’s World’s Top Fintech Companies 2025, winner of Best Cross-Border Payments Solution at the PayTech Awards, and inclusion in FXC Intelligence’s Top 100 Cross-Border Payments Companies list.
In 2024, we raised US$50 million in Series E funding at a US$1.4 billion valuation to accelerate network expansion, product innovation, and talent growth. With the B2B payments market projected to hit US$175 trillion by 2030, Nium offers ambitious builders the chance to shape the future of global money movement with the scale of a leader and the energy of a high-growth company.
About the Role
As the Lead - Regulatory Compliance, you will be working as part of Nium’s global, dynamic compliance team and will be reporting directly to the SG MLRO for Nium. The Compliance team is responsible for advising the Nium business unit on all compliance matters and ensuring the policies and procedures for Nium are accurate and always updated in real time. In addition, you will also be responsible for daily escalations for Nium clients across the globe on client onboarding, transaction monitoring, and for the detection and prevention of financial crime including, money laundering, and terrorist financing.
Key Responsibilities
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Assist in maintaining and updating policies and procedures, ensuring they remain current with evolving MAS regulations, industry practices, and internal risk appetite, including specific considerations for Digital Payment Token (DPT) activities where applicable.
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Support regulatory engagement, including the preparation of responses to MAS queries, regulatory filings, and licence-related submissions, ensuring accuracy, consistency, and timely delivery.
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Coordinate and support internal and external audits (e.g., MAS inspections, independent audits required for licensing), including tracking of findings, remediation plans, and ensuring timely closure with appropriate documentation and assurance.
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Assist the SG MLRO in compliance/AML related advisory for new products launches and enhancements to existing ones.
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Support preparation of management reporting and governance updates (e.g., to senior management, Board, or relevant committees), providing clear articulation of compliance risks, issues, and mitigation actions.
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Maintain and regularly update the Key Obligations Register, ensuring completeness, accuracy, and alignment with applicable regulatory requirements.
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Ensure timely dissemination of MAS circulars, guidelines, consultation papers, and regulatory updates to relevant internal stakeholders, facilitating awareness and appropriate action.
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Conduct regulatory gap analyses and impact assessments for new and updated MAS requirements, and support implementation of necessary control enhancements and policy updates.
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Assist to improve and streamline end to end compliance operational processes through automation and technology to enable scaling of the Nium business unit.
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Ensure all due diligence requests and escalations, including review of clients’ profile, risk rating, name screening, verification of documentations during the clients' lifecycle are resolved within agreed timeframes, and any issues or bottlenecks that arise are escalated in a timely manner.
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Perform due diligence on payment partners and other 3rd party vendors and ensure risk factors have been appropriately identified and escalated in accordance with Nium’s specific procedures and requirements.
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Conduct quality assurance checks for Nium, highlighting control gaps and working with stakeholders to ensure remediation is completed timely.
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Work with internal stakeholders to understand and provide feedback on the product design and parameters, perform KYB/KYC due diligence, customer onboarding.
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Use technology and machine learning to build capabilities to scale for analysis of high-risk transactions within a business portfolio.
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Conduct Modelling exercise and design new use cases as applicable.
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Participating in compliance or product-driven projects, including regulatory developments and strategic initiatives
Requirements
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At least 5 years’ experience within regulated FINTECH companies, in compliance role(s) with robust knowledge on compliance topics (KYB / KYC, AML/CFT, Sanctions etc.)
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Good understanding of the Payments/Fintech industry
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Knowledge and experience (preferably within Payments/Fintech) in using risk-based approach to balance commercial needs with ML/TF/PF risks in decision making
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ACAMS/ICA certified (preferably)
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Strong analytical skills with experience in problem solving and being able to implement and deliver solutions
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A self-motivator with the ability to get things done
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Ability to identify inefficiencies, see the bigger picture, challenge the current status quo and define scalable and sustainable processes and methodology
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Able to prioritise quickly and meet deadlines under pressure
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Strong stakeholder management and communication skills
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Team player with strong collaborative qualities
What we offer at Nium
We Value Performance: Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work.
We Care for Our Employees: The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year-end shut down. We also provide a flexible working hybrid working environment (3 days per week in the office).
We Upskill Ourselves: We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.
We Celebrate Together: We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more!
We Thrive with Diversity: Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.