Senior analyst

Nium, the Leader in Real-Time Global 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. About the 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 B2 B 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. Key Responsibilities Onboarding of new SG/AU/HK B2 B 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. Requirements 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. 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 Constantly Innovate: Since our inception, Nium has received constant recognition and awards for how we approach both our business and talent opportunities. - 2022 Great Place To Work Certification - 2023 CB Insights Fintech 100 List of Most Promising Fintech Companies . - CNBC World’s Top Fintech Companies 2024. 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. 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