Senior Manager, Regulatory Compliance & MLRO

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

As the Head of Compliance and MLRO for the ANZ region, you will play a key leadership role within Nium’s global Compliance function, reporting directly to the Chief Compliance Officer (CCO). You will be responsible for ensuring Nium’s operations across Australia and New Zealand meet all relevant regulatory, AML/CTF, and financial crime prevention obligations, while enabling the business to scale responsibly in the dynamic payments and fintech ecosystem.

This role combines strategic regulatory oversight, hands-on compliance operations, and regulatory relationship management. You will work closely with product, operations, and technology teams to ensure compliance is embedded into Nium’s business model and that all compliance processes are efficient, tech-driven, and proportionate to risk.

Key Responsibilities

• Regulatory Compliance & Governance
• Design, implement, and maintain a fit-for-purpose Compliance and AML/CTF Framework for the ANZ region in accordance with AUSTRAC, RBNZ, and FMA requirements.
• Maintain and update Nium’s Key Regulatory Obligations (KRO) Register, Compliance Policies, AML/CTF Programs, and associated risk assessments.
• Provide regulatory and AML/CFT advisory for new products, partnerships, and business models within the payments and cross-border space.
• Serve as the primary regulatory contact for AUSTRAC, RBNZ, and other relevant authorities, including managing reporting, audits, and on-site reviews.

Financial Crime Risk Management

• Act as the Money Laundering Reporting Officer (MLRO) for ANZ, responsible for managing all Suspicious Matter Reports (SMRs) and ensuring timely reporting to AUSTRAC and relevant regulators.
• Oversee Customer Due Diligence (CDD/KYC/KYB) processes, including risk assessments, name screening, enhanced due diligence, and lifecycle reviews.
• Oversee transaction monitoring and alert investigations, ensuring appropriate escalation and documentation of findings.
• Conduct periodic and event-driven reviews of high-risk clients and ensure accurate risk ratings are maintained.

Compliance Operations & Technology Enablement

• Drive automation and data-driven compliance capabilities, leveraging technology and machine learning to enhance monitoring, reporting, and risk detection.
• Identify and implement process improvements that increase scalability and efficiency while maintaining regulatory robustness.
• Lead the development and execution of Compliance Training Programs across the ANZ business to foster a culture of compliance.

Leadership & Reporting

• Provide regular compliance and AML/CFT reporting to senior management and global compliance committees.
• Build, lead, and develop a high-performing ANZ compliance team, fostering collaboration and alignment with global compliance standards.
• Support regulatory engagement strategy across ANZ, representing Nium in interactions with regulators and industry associations.

Requirements

• 10+ years’ experience in compliance, AML/CTF, or financial crime roles within regulated financial institutions, fintechs, or payments companies.
• Deep understanding of AUSTRAC AML/CTF Act, New Zealand AML/CFT legislation, and broader regional regulatory expectations.
• Proven experience engaging directly with regulators and managing regulatory reporting and audits.
• Strong analytical, problem-solving, and technology adoption skills, with the ability to design scalable compliance solutions.
• ACAMS, ICA, or equivalent certification (preferred).
• Demonstrated ability to lead teams, influence stakeholders, and balance compliance integrity with commercial needs.
• Excellent communication skills and a proactive, accountable approach.
• Continuous learner with a strong grasp of emerging fintech and payments compliance trends.

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.