Product Compliance Manager

Nium; United States; Hybrid; USD 140,000 - 190,000; Full time

Benefits offered by this job

Competitive compensation

Performance bonuses

Equity for specific roles

Medical coverage

24/7 employee assistance program

Generous vacation program

Hybrid work model (3 days in office)

Learning stipend

Job summary

Nium is building a Product Compliance function to enable safe, scalable global growth. As a Product Compliance Manager, you will collaborate with Product, Payments, Risk, Compliance, Legal, Engineering and AI teams to ensure products meet regulatory expectations across jurisdictions.

You will translate complex regulatory requirements into pragmatic product controls, design end-to-end safety into product flows, and lead risk assessments with cross-functional teams to reduce financial crime risk

Qualifications

• 5–7 years of experience in product compliance or related fintech roles.
• Strong understanding of digital products, payment flows, and customer journeys.
• Experience translating regulatory requirements into practical product controls.
• Cross-functional collaboration with product, engineering, risk and compliance teams.

Responsibilities

• Partner with Product, Business and Engineering from ideation to launch and evolution.
• Assess new products, features, payment methods for regulatory risk.
• Lead New Product Risk Assessments and translate risks into controls.
• Review existing products for compliance gaps and remediation.
• Develop reusable guidance and playbooks for jurisdictional compliance.
• Identify opportunities to automate compliance workflows using AI.

Skills

Communication

Problem-solving

Stakeholder management

Cross-functional

Regulatory knowledge

Tools

SQL

APIs

Automation tools

AI tools

Job description

Nium provides global infrastructure for real-time cross-border payments. We were founded on the mission to deliver the global payments infrastructure of tomorrow, today. Our platform enables banks, fintechs, and global businesses to move money instantly, everywhere. Co-headquartered in San Francisco and Singapore with offices in 14 markets worldwide, we are entering one of the most exciting chapters in our journey. In March 2026, we delivered the largest month in our 11-year history with record revenue, record volumes, and EBITDA profitability. Today, Nium moves nearly $60B in payments annually, almost entirely for enterprises, while continuing to strengthen an already healthy balance sheet. It is an incredible time to join us, and we are only just getting started. Our payout network spans 190+ countries and 100 currencies, with 100+ corridors in real time. We power seamless transfers to accounts, wallets, and cards, support local collections in 35 markets, and as a principal card issuer on Visa, Mastercard, Discover, and UATP, Nium issues over 50 million card tokens every year. Backed by regulatory licenses in 40+ markets, we make it simple for our partners to onboard, integrate, and scale globally. This scale and innovation have earned us recognition as one of CNBC’s World’s Top Fintech Companies 2025, winner of Best Cross-Border Payments Solution at the PayTech Awards, and inclusion in FXC Intelligence’s Top 100 Cross-Border Payments Companies list. In 2024, we raised US$50 million in Series E funding at a US$1.4 billion valuation to accelerate network expansion, product innovation, and talent growth. With the B2B payments market projected to hit US$175 trillion by 2030, Nium offers ambitious builders the chance to shape the future of global money movement with the scale of a leader and the energy of a high-growth company.

About the Role
We are building Nium's Product Compliance function as a strategic capability that enables safe, scalable global growth.

As a Product Compliance Manager, you will sit at the intersection of Product, Payments, Risk, Compliance, Legal, Engineering and AI. You will help ensure that Nium's products are designed, launched and operated in line with regulatory expectations across multiple jurisdictions.

This role goes beyond interpreting regulation. You will understand how products and payment flows work end-to-end, identify regulatory and financial crime risks, and work with Product and Engineering teams to design practical controls directly into the product and operating model.

We are looking for a builder and systems thinker who can turn complex regulatory requirements into scalable solutions.

Responsibilities
Product Advisory
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.

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.

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.