Head of Commercial Compliance - Americas

Nium, Global Leader in Payments Nium, the global leader in real-time, cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. Its payout network supports 100 currencies and spans 220+ markets, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 35 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography. The company is co-headquartered in San Francisco and Singapore.

Key Responsibilities

Serve as the senior Compliance advisor to Nium's commercial leadership and go-to-market teams across the Americas. Engage early in the sales and business-development process to identify compliance considerations and help structure viable solutions. Partner closely with Sales, Business Development, Partnerships, Account Management, Product, Legal, Financial Crime Compliance, and regional Compliance teams. Act as the primary bridge between commercial teams and country compliance teams, connecting commercial priorities with local regulatory requirements, risk appetite, and compliance guidance. Advise on strategic opportunities involving platforms, marketplaces, enterprise clients, bank partners, and other complex commercial relationships. Provide compliance advisory support for the management of relationships with bank partners, card networks, stablecoin networks, and other payment infrastructure partners. Evaluate the compliance implications of two-tier business models in which Nium provides payment capabilities to a platform that serves underlying merchants, sellers, or customers. Support the development of compliant solutions for new verticals, customer segments, use cases, products, and payment flows. Provide practical guidance on AML/CTF, sanctions, KYC/KYB, customer and partner due diligence, acceptable-use requirements, licensing considerations, and payment regulations. Participate in customer and partner discussions when senior Compliance involvement is needed to explain Nium's requirements, controls, or proposed solutions. Assess higher-risk or nonstandard opportunities and recommend appropriate controls, conditions, or risk-mitigation measures. Coordinate the resolution of compliance questions and escalations that could affect commercial negotiations, onboarding, implementation, or launch. Help commercial teams understand Nium's risk appetite and identify potential compliance obstacles before significant time or resources are committed. Translate regulatory requirements into clear, actionable guidance for commercial and business stakeholders. Maintain a deep understanding of Nium's regulatory relationships and license-protection obligations, leveraging that knowledge to guide commercial decisions without directly owning those responsibilities. Develop scalable commercial compliance frameworks, playbooks, and decision-making standards for the Americas. Identify recurring barriers within the commercial process and partner with relevant teams to improve policies, controls, and workflows. Deliver targeted training to Sales, Business Development, Partnerships, Account Management, and other customer-facing teams. Provide senior leadership with visibility into material commercial compliance risks, emerging trends, significant decisions, and unresolved issues. Represent the Americas within Nium's broader commercial compliance and advisory framework.