Nium - Product Compliance Manager
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 services. • Strong understanding of digital products, payment flows and customer journeys. • Experience translating regulatory or risk requirements into practical product, process or control solutions. • Experience working cross-functionally with Product, Engineering, Business, Risk and/or Compliance teams. • Ability to independently manage ambiguous problems and drive them from assessment through recommendation and implementation. • Strong written and verbal communication, structured problem-solving and stakeholder management skills. • Comfortable influencing teams without relying on formal authority. • Strongly Preferred • Cross-border payments and remittances • Stablecoins, digital assets or crypto • Cards and card issuing • Fraud and financial crime • KYC/KYB and customer lifecycle controls • Multi-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 teams. • Independently assess complex products, customer journeys and payment flows. • Lead Product Risk Assessments and translate regulatory requirements into pragmatic, scalable controls. • Identify and drive resolution of product compliance gaps. • Identify systemic risks and opportunities to improve controls across products. • Build reusable Product Compliance frameworks, playbooks and knowledge assets. • Help 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 monitoring • KYC/KYB operations or document verification • Sanctions screening operations • Case management • Regulatory reporting execution • Manual 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.
Responsibilities
• Product Advisory & Risk • Partner with Product, Business and Engineering teams from ideation through launch and ongoing product evolution. • Understand customer journeys, product architecture and end-to-end payment flows. • Assess new products, features, payment methods, partnerships and material product changes. • Independently lead New Product Risk Assessments (NPRAs) and identify regulatory, financial crime and operational risks. • Translate regulatory obligations into clear product requirements and proportionate controls. • Challenge 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 risks. • Assess the impact of new markets, products, payment flows and material changes. • Drive remediation of identified gaps and track controls through implementation. • Identify systemic risks and reusable solutions across products rather than solving issues individually. • Contribute to periodic Product Compliance health reviews and ongoing oversight. • Regulatory Intelligence • Monitor regulatory developments relevant to Nium's products and markets. • Assess how regulatory changes impact product design, processes and controls. • Develop reusable jurisdictional guidance, playbooks and compliance knowledge. • Partner 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 effective. • Help develop AI-assisted compliance workflows and knowledge-management capabilities. • Identify repetitive compliance activities that can be automated. • Contribute to initiatives such as Compliance Copilot and other Product Compliance tooling.
Benefits
• 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!
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