Nium - Senior Manager - Regulatory Compliance & Money Laundering Reporting Officer (MLRO), Mexico

• Develop and manage Financial Crime and AML methodology to manage all sources of regulatory risk to ensure adherence to CNBV and SHCP regulations. • Monitor any changes to Mexican AML/CTF laws and the Fintech Law, ensuring the organization promptly adapts its policies and procedures accordingly. • Act as the primary point of contact with CNBV, SHCP/UIF, and other regulatory bodies for AML/CTF matters. • Identify control gaps and lead the implementation of control enhancements to include AML, OFAC, and Mexican Regulatory Compliance. • Develop country-specific risk assessments highlighting control gaps, specifically aligned with the National Risk Assessment (Evaluación Nacional de Riesgos). • Build up compliance oversight and testing activities as per regulatory and governance requirements and issue internal reports to Senior Management and the Compliance Committee (AML/CTF internal control report, Fraud, periodic internal reports, etc.). • Act as a subject matter expert for the business and management on compliance-related matters in Mexico and the wider LATAM region. • Review and approve high-risk business for institutional clients from the Americas Region (including financial institutions and Banking as a Service Clients). • Lead AML external audits (including the mandatory annual Independent Audit/Dictamen de Auditoría) and support on bank partner requests. • Lead the risk assessment process to identify, assess, and manage the organization’s AML/CTF risks, including assessing product, service, customer, and geographic risk factors. • Ensure timely and accurate filing of SITI (Sistema Interinstitucional de Transferencia de Información) reports, such as Suspicious Operation Reports (Reportes de Operaciones Inusuales), Relevant Operation Reports, and Internal Worrying Operations. • Provide advisory support to improve and streamline end-to-end compliance operational processes and systems through automation and technology. • Lead the roll-out and ongoing management of the Compliance Training Framework. • Manage and contribute to the Communication and Control Committee (Comité de Comunicación y Control). • Participating in Compliance or business-driven projects, including regulatory developments and strategic initiatives. • Own, build, and maintain the Institución de Tecnología Financiera (ITF) compliance program, including end-to-end program development, regulatory reporting obligations, and ongoing ownership of regulatory requirement updates under the Fintech Law. • Own, build, and maintain the Electronic Payment Funds Institution (IFPE) compliance program, including program infrastructure, regulatory reporting, and full lifecycle ownership of evolving regulatory obligations and supervisory expectations. • Lead the operationalization of Virtual Asset (Cryptocurrency/Stablecoin) related compliance requirements, including development of policies, controls, and reporting frameworks aligned with Banco de México (Banxico) and CNBV circulars. • Oversee and manage significant regulatory and independent program audits, including examination preparation, response coordination, findings remediation, and validation of corrective action plans to closure. • 10+ years of experience (minimum) within regulated companies, in senior compliance role(s) with robust knowledge on Compliance topics (KYB / KYC, AML/CFT, Sanctions, Fintech Law, IFPE/ITF, etc). • Prior experience as a certified Mexican Money Laundering Reporting Officer (Oficial de Cumplimiento) with a valid CNBV Certification. • Deep understanding of the regulatory environment of the Payments/Fintech industry in Mexico. • Knowledge and experience (preferably within Payments/Fintech) in Mexico and the wider LATAM region. • CNBV Certification in AML/CFT (Mandatory); ACAMS/CRCM certified (preferably) or other directly applicable professional certification. • Experience with correspondent banking, banking as a service, and Financial Institution clients from the Americas region. • 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 risks, control gaps, inefficiencies, see the bigger picture, challenge the current status quo and define scalable and sustainable processes and methodology. • Ability to lead end-to-end process and control improvements cross-functionally and across various regions. • 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. • Ability to communicate in fluent spoken and written Spanish and English. • Demonstrated experience building and managing a Fintech/IFPE compliance program, including regulatory reporting, program governance, and ownership of ongoing CNBV/SHCP regulatory requirement changes and obligations. • Demonstrated experience building and managing an electronic payment or remittance compliance program, including program development, reporting frameworks, and full ownership of Mexican regulatory compliance obligations. • Significant experience working with and engaging regulators (CNBV/SHCP) and managing and leading regulatory examinations and independent program audits. • Experience with Virtual Asset (Stablecoin) operationalization, including development of compliance controls, regulatory reporting structures, and alignment with Banxico requirements and international (FATF/GAFI) guidance.