Product Compliance Manager

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

We are building Nium's Product Compliance function as a strategic capability that enables safe, scalable global growth.

As a Product Compliance Manager, you will sit at the intersection of Product, Payments, Risk, Compliance, Legal, Engineering and AI. You will help ensure that Nium's products are designed, launched and operated in line with regulatory expectations across multiple jurisdictions.

This role goes beyond interpreting regulation. You will understand how products and payment flows work end-to-end, identify regulatory and financial crime risks, and work with Product and Engineering teams to design practical controls directly into the product and operating model.

We are looking for a builder and systems thinker who can turn complex regulatory requirements into scalable solutions.

Responsibilities

Product Advisory & Risk

Partner with Product, Business and Engineering teams from ideation through launch and ongoing product evolutionUnderstand customer journeys, product architecture and end-to-end payment flowsAssess new products, features, payment methods, partnerships and material product changesIndependently lead New Product Risk Assessments (NPRAs) and identify regulatory, financial crime and operational risksTranslate regulatory obligations into clear product requirements and proportionate controlsChallenge product designs where risks are not adequately addressed and help teams develop workable alternatives

Product Assurance

Review existing products and processes for compliance gaps and emerging risksAssess the impact of new markets, products, payment flows and material changesDrive remediation of identified gaps and track controls through implementationIdentify systemic risks and reusable solutions across products rather than solving issues individuallyContribute to periodic Product Compliance health reviews and ongoing oversight

Regulatory Intelligence

Monitor regulatory developments relevant to Nium's products and marketsAssess how regulatory changes impact product design, processes and controlsDevelop reusable jurisdictional guidance, playbooks and compliance knowledgePartner with regional Compliance and MLRO teams to translate local requirements into scalable product solutions

AI & Automation

Identify opportunities to use technology and AI to make Product Compliance more scalable and effectiveHelp develop AI-assisted compliance workflows and knowledge-management capabilitiesIdentify repetitive compliance activities that can be automatedContribute to initiatives such as Compliance Copilot and other Product Compliance tooling

Requirements

5–7 years of experience in Product Compliance, Payments Risk, Financial Crime, Product Risk, Product Management, or a similar role within fintech, payments or financial servicesStrong understanding of digital products, payment flows and customer journeysExperience translating regulatory or risk requirements into practical product, process or control solutionsExperience working cross-functionally with Product, Engineering, Business, Risk and/or Compliance teamsAbility to independently manage ambiguous problems and drive them from assessment through recommendation and implementationStrong written and verbal communication, structured problem-solving and stakeholder management skillsComfortable influencing teams without relying on formal authority

Strongly Preferred

Cross-border payments and remittancesStablecoins, digital assets or cryptoCards and card issuingFraud and financial crimeKYC/KYB and customer lifecycle controlsMulti-jurisdictional regulatory environments

Nice to have: SQL, APIs, workflow/automation tools and experience using AI tools such as ChatGPT, Claude or Gemini.

What Success Looks Like

Become a trusted Product Compliance partner to Product and Business teamsIndependently assess complex products, customer journeys and payment flowsLead Product Risk Assessments and translate regulatory requirements into pragmatic, scalable controlsIdentify and drive resolution of product compliance gapsIdentify systemic risks and opportunities to improve controls across productsBuild reusable Product Compliance frameworks, playbooks and knowledge assetsHelp make Product Compliance more technology-enabled and scalable

What This Role Is Not

This is not a traditional compliance operations or investigations role.

Experience in AML, KYC/KYB, sanctions or financial crime is valuable, but we are not primarily looking for someone whose experience has been limited to:

AML investigations or transaction monitoringKYC/KYB operations or document verificationSanctions screening operationsCase managementRegulatory reporting executionManual compliance reviews with limited product or technology engagement

We are looking for someone who enjoys asking:

How does this product work end-to-end?Where does regulatory or financial crime risk enter the flow?What is the simplest effective control?How can we make compliance the default rather than an afterthought?How can technology and AI make the control more scalable?

If you enjoy solving ambiguous problems, understanding how financial products work and building practical solutions at the intersection of product, technology and regulation, this role is for you.

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.

Beware of recruitment scams: Be cautious of individuals impersonating Nium via WhatsApp, social media, email or unofficial websites. Do not respond, share personal or financial information, or make any payments. Nium will never ask candidates to transfer money or cryptocurrency as part of our recruitment process.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.