Senior Manager, Regulatory Compliance - Deputy MLRO

Nium Fintech Limited • San Francisco, CA

403d • $116,000 - $160,000 • Hybrid

About The Position

The Deputy MLRO (DMLRO) will support the U.S. MLRO in mitigating financial crime risks and ensuring effective oversight of NIUM's financial crime compliance framework. This role involves collaboration with various teams to maintain robust controls aligned with U.S. regulatory requirements, while also contributing to the development and refinement of compliance programs and policies.

Requirements

• A bachelor's degree, with a relevant Master's Degree or a professional financial crimes certification (e.g. CAMS, CFCS).
• Proven experience in managing/scaling a financial crime/AML team.
• Experience in designing and implementing financial crime processes and controls.
• 5+ years' experience in a senior compliance position, preferably in the Fintech sector.
• Proven experience in dealing with regulators and third parties such as Tier-1 Financial Banks and U.S. State financial regulators.
• Excellent grasp of the US regulatory environment and knowledge of best practices in the industry.
• Excellent data mining and data manipulation skills, with proficiency in Excel and other tools.
• Ability to exercise oversight and understanding of financial crime and AML policies in a complex business.
• Proven experience in leading and supporting financial crime strategies.
• Excellent communication and interpersonal skills.
• Problem-solving and decision-making skills.
• Experience in people management and providing coaching to develop performance.
• Meticulous attention to detail with the ability to manage complex compliance tasks efficiently.
• Ability to work independently, under pressure and to tight deadlines.

Nice To Haves

• Experience in the electronic money and financial services industry.
• Familiarity with automation and technology in compliance processes.

Responsibilities

• Define, develop, document, oversee and refine the US Compliance Program and related policies and procedures.
• Horizon scanning for new financial crime regulations and guidance.
• Provide detailed reporting and MI to meet the needs of U.S. regulators and Banking partners.
• Prepare and contribute to quarterly compliance reports for the board of directors.
• Handle complex escalations relating to onboarding and transaction monitoring.
• Oversee the U.S. SAR process, including review and assessment of internal reports of suspicious activity.
• Coordinate and assist in regulatory audits, preparing documentation and responding to inquiries.
• Conduct risk assessments related to regulatory compliance and develop strategies to mitigate identified risks.
• Provide regulatory advisory to internal and external teams to support the client onboarding process.
• Communicate with staff to ensure understanding of responsibilities and training in Nium policies.
• Support product and business teams by advising on financial crime compliance for new products and features.
• Lead coordination and reviews of changes related to TM, CDD, and Screening.
• Support the design and delivery of training for compliance and operational teams on AML, CTF, and broader financial crime controls.
• Stay up-to-date with regulatory developments and assess their impact on Nium's business.

Benefits

• Competitive salaries and performance bonuses.
• Medical coverage and 24/7 employee assistance program.
• Generous vacation programs including year-end shutdown.
• Flexible hybrid working environment (3 days per week in the office).
• Role-specific training and learning stipend.
• Company-wide social events and team bonding activities.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Bachelor's degree