Analyst - Regulatory Compliance
Nium
Posted about 8 hours ago
Role Overview
The Regulatory Compliance Analyst will support the US Regulatory Compliance function with a primary focus on client and customer onboarding and Level 2 transaction monitoring escalations. This role will work closely with L1 team leads and managers to triage and resolve escalations, ensure regulatory adherence, and support broader compliance initiatives across the US entity and, as needed, other Americas jurisdictions.
This role will contribute to a wide range of regulatory compliance activities that support both licensing protection and business growth. The position requires strong regulatory knowledge, sound judgment, and the ability to operate both strategically and tactically in a dynamic financial services environment. The ideal candidate will be comfortable working cross functionally with Compliance, Legal, Operations, Product, Risk, and other internal stakeholders, and will be able to clearly communicate complex regulatory requirements to a wide range of audiences.
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Provide guidance to L1 teams on complex KYC and KYB matters, beneficial ownership analysis, and enhanced due diligence requirements.
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Partner with Compliance Managers and other stakeholders to resolve high risk or complex onboarding scenarios while balancing compliance requirements and customer experience.
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Assist in identifying onboarding control gaps, process inefficiencies, and opportunities for enhancement.
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Review and disposition Level 2 transaction monitoring and screening alerts and escalations.
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Conduct detailed investigations of potentially suspicious activity, including customer behavior analysis, transactional analysis, and documentation review.
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Support preparation of Suspicious Activity Reports, as required.
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Identify trends, root causes, or systemic issues and recommend control enhancements and process improvements.
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Act as a subject matter resource to L1 teams and internal stakeholders.
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Participate in case review forums and escalation committees, as applicable.
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Provide input on risk assessments, customer risk rating methodology, and escalation frameworks.
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Partner with Compliance, Investigations, Operations, and other teams to ensure escalations are handled consistently and in accordance with regulatory expectations and internal procedures.
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Review and credibly challenge internal responses to consumer complaints and potential issues raised by the operations team.
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Provide guidance regarding a wide variety of regulatory requirements, including but not limited to credit reporting, disputes, bankruptcy, fair lending, and UDAAP.
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Review customer complaints to identify root causes, analyze trends, and uncover opportunities for product, service, and process improvements to address recurring issues.
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Work with cross functional partners to address compliance concerns, recommend corrective actions, and escalate matters to senior management when appropriate.
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Assist with regulatory exams, audits, internal reviews, and other compliance testing activities.
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Support policy and procedure updates aligned with evolving regulatory requirements and industry best practices.
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Contribute to training and quality assurance initiatives within the Compliance function.
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Assist with metrics reporting, management reporting, and trend analysis to support strategic decision making and process improvement.
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Support broader compliance and risk management initiatives, including licensing related matters, regulatory expansion efforts, and other key projects, as needed.
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Provide cross- jurisdictional support across the Americas, as needed.
Required
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Bachelor’s degree or equivalent experience.
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4 - 6 years of experience in regulatory compliance, AML, BSA, financial crimes, enterprise risk, operational risk, or audit within a fintech, payments company, regulated financial institution, or regulatory agency.
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Strong experience with US AML regulations, transaction monitoring, screening, and KYC and KYB processes.
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Strong understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practice.
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Experience reviewing and decisioning escalated or high-risk cases.
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Strong understanding of payment flows, money transmission, banking partnerships, and regulatory requirements applicable to financial institutions and fintech companies.
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Familiarity with financial regulatory laws, rules, regulations, and industry best practices across the United States and, preferably, the Americas region.
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Strong analytical, investigative, and documentation skills.
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Strong data proficiency, including the ability to work with data and leverage insights for strategic decision making.
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Excellent verbal and written communication skills, with the ability to clearly explain complex issues to front line teams, senior management, and other stakeholders.
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Strong project management, critical thinking, and time management skills.
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Inquisitive and proactive mindset, with the ability to think strategically and propose practical, effective solutions.
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Strong curiosity about fintech, payments, and consumer financial protections.
Preferred
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CAMS or similar compliance or anti-money laundering certification.
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Experience supporting US Money Transmitter License environments.
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Exposure to multi-jurisdictional compliance frameworks in the Americas.
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Experience developing, maintaining, or enhancing a compliance program within a financial institution, preferably related to payments activity.
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Exposure to licensing processes, regulatory expansion, and RegTech / other technology driven compliance solutions.
Job details
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