Senior Analyst - Compliance

*Where do you come into the picture? *

We are on a mission to simplify the cross-border payments experience. We believe money should be free to use whenever, wherever and however your customers want. So, we designed our business to match. Our network is powered by our portfolio of licenses, hard-earned by building trust with financial regulators in over 38 countries. This combination of regulatory and tech assets is unique to Nium and is at the core of our unique value proposition.

As a part of the US Compliance Team, you will be responsible for the detection and prevention of financial crime including fraud, money laundering, and terrorist financing.

*What would a day in your life @ Nium look like? *

As a part of the Compliance team, your role will also include :

• Review of new and existing clients due diligence for onboarding and monitoring purposes across all product lines including card programs, remittance and collections.
• Review and investigation of escalations in relation to AML, CTF and fraud monitoring as well as potential sanctions violations.
• Work with clients to understand and provide feedback on the clients’ product design and parameters, perform KYB/KYC due diligence, customer onboarding, AML risk assessment to ensure proper controls are in place.
• Conduct review and audits on our clients and third-party intermediaries across US and LatAm regions.
• Responsible for onboarding decision making and determine risk limits associated with the product.
  
• Support change requests for existing products, business accounts, and risk limits.
  
• Co-operate with sales, operations, and project managers to support the customer onboarding process in an efficient manner.
  
• Drafting of Suspicious Transaction Reports (STRs) for review by the AML Compliance Officer
• Assisting in the development and ongoing improvement of policies and procedures.
• Dealing with queries from law enforcement, banking providers and regulators.
• Acting as a subject matter expert for the business on compliance-related matters.

*What expertise & experience do you need for this role? *

• At least 2-5 years of overall experience working in a risk and compliance role.
  
• Multi-lingual in Spanish strongly preferred, Portuguese and French also desirable
• Willingness to travel within the US and LatAm
• Bachelor's or Master’s Degree preferred
• Experience in conducting due diligence on and maintaining ongoing oversight including conducting audits of institutional clients, program managers and/or agents.
• Experience within the payments / FinTech industry or have knowledge in card acquiring/issuing schemes highly desirable.
• Good working knowledge of the US regulatory framework and relevant AML rules and legislation.
• Ability to work effectively as part of a team as well as to accomplish tasks with minimal supervision within tight deadlines.
• Ability to identify red flags and suspicious activity relating to AML, CTF and fraud.
• Strong analytical and problem-solving ability.
• Excellent communication and interpersonal skills.
• Advanced Excel skills including macros, and experience using data analytics tools such as Tableau

*NOTE: *This role requires candidates who are authorized to work in the US. This role will also need candidates to travel within the US and LatAm for onsite visits or audits.

*Join the world of Open Money @ NIUM *

We at NIUM, are on a mission to transform global financial infrastructure. We are driven by our co-created values of teamwork, innovation, customer obsession and accountability. These aren't just buzzwords, they're how we do business every day and owned by each and every employee at NIUM. We create new rules and new possibilities for a world of open money.