Analyst/Sr Analyst - KYB Operations

The Analyst/Senior Analyst in Know Your Business (KYB) Operations is crucial for ensuring compliance and mitigating risk by verifying customer identities and business entities. Responsibilities include conducting due diligence, analyzing data for accuracy, identifying risks, and collaborating on KYB strategies. The role aims to maintain regulatory compliance, prevent financial crimes, and support business growth within Nium, a leader in real-time global payments.

Must Have

• Review and verify business registration documents, ownership structure, UBO details, and relevant licenses.
• Conduct KYB and enhanced due-diligence checks based on risk profiles.
• Ensure customer profiles are accurately assessed with appropriate risk ratings and timely resolution of name-screening alerts.
• Assist in improving and streamlining end-to-end compliance operational processes through automation and technology.
• Ensure all Client Due Diligence requests and activities are resolved within agreed timeframes.
• Perform periodic, trigger, and ad hoc AML reviews on clients' profiles.
• Conduct country-specific risk assessment highlighting control gaps and ensure remediation.
• Lead the roll out and ongoing management of the Compliance Training Framework.
• Participate in Compliance or business-driven projects and strategic initiatives.
• Conduct detailed onboarding and due-diligence reviews for financial institutions.
• Assess FI regulatory status, license scope, shareholding structure, risk exposure, and operational jurisdictions.
• Review AML policies, sanctions controls, governance frameworks, and risk-mitigation measures.
• At least 6-8 years’ experience in compliance role(s) with robust knowledge on Compliance topics (KYB / KYC, AML/CFT, Sanctions etc.).
• Good understanding of the Payments/Fintech industry.
• Strong analytical skills with experience in problem solving and implementing solutions.
• Ability to identify inefficiencies, challenge status quo, and define scalable processes.
• Able to prioritize quickly and meet deadlines even under pressure.
• Strong stakeholder management and communication skills.
• Team player with strong collaborative qualities and willingness to build/lead a team.
• Willingness to learn continuously and keep up to date with the Payments industry and regulatory landscape.
• Fluent English.
• Flexibility to work outside normal office hours and in rotational shifts.

Good to Have

• ACAMS/ICA certified

Perks & Benefits

• Competitive salaries
• Performance bonuses
• Sales commissions
• Equity for specific roles
• Recognition programs
• Medical coverage
• 24/7 employee assistance program
• Generous vacation programs (including year-end shut down)
• Flexible hybrid working environment (3 days per week in the office)
• Role-specific training
• Internal workshops
• Learning stipend
• Company-wide social events
• Team bonding activities
• Happy hours
• Team offsites

Nium, the Leader in Real-Time Global Payments

Nium, the leading global infrastructure for 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 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 40 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:

Analyst/Senior Analyst in Know Your Business (KYB) Operations plays a critical role in ensuring compliance and risk mitigation by verifying and validating customer identities and business entities. Their responsibilities include conducting due diligence checks, analyzing data for accuracy and completeness, identifying potential risks, and collaborating with internal teams to develop and implement KYB strategies. Their objective is to maintain regulatory compliance, safeguard against financial crimes, and support business growth

Key Responsibilities:

• Review and verify business registration documents, ownership structure, UBO details, and relevant licenses, while conducting KYB and enhanced due-diligence checks based on risk profiles, and ensuring customer profiles are accurately assessed with appropriate risk ratings and timely resolution of all name-screening alerts during onboarding.
• Assist in to improve and streamline end to end compliance operational processes through automation and technology. Use technology and machine learning to build capabilities to scale.
• Ensure all Client Due Diligence requests and activities, 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.
• Perform periodic, trigger, and ad hoc AML reviews on clients' profile, and ensure that adverse news hits and increased risk factors have been appropriately identified and escalated in accordance to company’s procedures and regulatory requirements.
• Conduct country specific risk assessment highlighting control gaps, and working with stakeholders to ensure remediation is completed timely.
• Lead the roll out and ongoing management of the Compliance Training Framework.
• Participating in Compliance or business-driven projects, including regulatory developments and strategic initiatives.
• Conduct detailed onboarding and due-diligence reviews for financial institutions, including banks, money service businesses, EMI/PSPs, brokerages, and payment facilitators.
• Assess (Financial institute) FI regulatory status, license scope, shareholding structure, risk exposure, and operational jurisdictions.
• Review AML policies, sanctions controls, governance frameworks, and risk-mitigation measures implemented by the (Financial institute) FI.

Requirements:

• At least 6-8 years’ experience within regulated companies, in compliance role(s) with robust knowledge on Compliance topics (KYB / KYC, AML/CFT, Sanctions etc.)
• Good understanding of the Payments/Fintech industry.
• Knowledge and experience (preferably within Payments/Fintech)
• ACAMS/ICA certified (preferably)
• Strong analytical skills with experience in problem solving and being able to implement and deliver solutions.
• Demonstrate clear sense of accountability in performing the role and a positive demeanor.
• Ability to identify inefficiencies, see the bigger picture, challenge the current status quo and define scalable and sustainable processes and methodology.
• Able to prioritize quickly and meet deadlines even under pressure.
• Strong stakeholder management and communication skills.
• Team player with strong collaborative qualities, including some previous experience (or willingness) to build, lead and motivate a team.
• Willingness to learn continuously and keep up to date with the Payments industry and its regulatory landscape (Globally).
• Fluent English
• Flexibility to work outside normal office hours and in rotational shifts to support operational requirements.

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.

For more detailed region specific benefits : https://www.nium.com/careers#careers-perks

For more information visit www.nium.com

Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice located at www.nium.com/privacy/candidate-privacy-notice.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. 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.