Senior Manager - Regulatory Compliance & Money Laundering Reporting Officer (MLRO), Mexico

Nium, the Leader in Real-Time Global Payments 

Nium, the leading global infrastructure for 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 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 40 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.

About the Role 

As the Senior Manager of Regulatory Compliance and Money Laundering Reporting Officer, you will be working as part of Nium’s global, dynamic Regulatory Compliance team. Our team is responsible for advising the business on all compliance matters and ensuring full compliance with the Federal Law for the Prevention and Identification of Operations with Resources of Illicit Origin (LFPIORPI), the General Provisions (Disposiciones de Carácter General) applicable to financial institutions, and related CNBV (Comisión Nacional Bancaria y de Valores) and SHCP (Secretaría de Hacienda y Crédito Público) regulations. In addition to this, the team is also responsible for client onboarding, Transaction Monitoring, and for the detection and prevention of financial crime including money laundering and terrorist financing (AML/CFT). 

• Develop and manage Financial Crime and AML methodology to manage all sources of regulatory risk to ensure adherence to CNBV and SHCP regulations. 
• Monitor any changes to Mexican AML/CTF laws and the Fintech Law, ensuring the organization promptly adapts its policies and procedures accordingly. 
• Act as the primary point of contact with CNBV, SHCP/UIF, and other regulatory bodies for AML/CTF matters. 
• Identify control gaps and lead the implementation of control enhancements to include AML, OFAC, and Mexican Regulatory Compliance. 
• Develop country-specific risk assessments highlighting control gaps, specifically aligned with the National Risk Assessment (Evaluación Nacional de Riesgos). 
• Build up compliance oversight and testing activities as per regulatory and governance requirements and issue internal reports to Senior Management and the Compliance Committee (AML/CTF internal control report, Fraud, periodic internal reports, etc.). 
• Act as a subject matter expert for the business and management on compliance-related matters in Mexico and the wider LATAM region. 
• Review and approve high-risk business for institutional clients from the Americas Region (including financial institutions and Banking as a Service Clients). 
• Lead AML external audits (including the mandatory annual Independent Audit/Dictamen de Auditoría) and support on bank partner requests. 
• Lead the risk assessment process to identify, assess, and manage the organization’s AML/CTF risks, including assessing product, service, customer, and geographic risk factors. 
• Ensure timely and accurate filing of SITI (Sistema Interinstitucional de Transferencia de Información) reports, such as Suspicious Operation Reports (Reportes de Operaciones Inusuales), Relevant Operation Reports, and Internal Worrying Operations. 
• Provide advisory support to improve and streamline end-to-end compliance operational processes and systems through automation and technology. 
• Lead the roll-out and ongoing management of the Compliance Training Framework. 
• Manage and contribute to the Communication and Control Committee (Comité de Comunicación y Control). 
• Participating in Compliance or business-driven projects, including regulatory developments and strategic initiatives. 
• Own, build, and maintain the Institución de Tecnología Financiera (ITF) compliance program, including end-to-end program development, regulatory reporting obligations, and ongoing ownership of regulatory requirement updates under the Fintech Law. 
• Own, build, and maintain the Electronic Payment Funds Institution (IFPE) compliance program, including program infrastructure, regulatory reporting, and full lifecycle ownership of evolving regulatory obligations and supervisory expectations. 
• Lead the operationalization of Virtual Asset (Cryptocurrency/Stablecoin) related compliance requirements, including development of policies, controls, and reporting frameworks aligned with Banco de México (Banxico) and CNBV circulars. 
• Oversee and manage significant regulatory and independent program audits, including examination preparation, response coordination, findings remediation, and validation of corrective action plans to closure. 

• 10+ years of experience (minimum) within regulated companies, in senior compliance role(s) with robust knowledge on Compliance topics (KYB / KYC, AML/CFT, Sanctions, Fintech Law, IFPE/ITF, etc). 
• Prior experience as a certified Mexican Money Laundering Reporting Officer (Oficial de Cumplimiento) with a valid CNBV Certification. 
• Deep understanding of the regulatory environment of the Payments/Fintech industry in Mexico. 
• Knowledge and experience (preferably within Payments/Fintech) in Mexico and the wider LATAM region. 
• CNBV Certification in AML/CFT (Mandatory); ACAMS/CRCM certified (preferably) or other directly applicable professional certification. 
• Experience with correspondent banking, banking as a service, and Financial Institution clients from the Americas region. 
• Strong analytical skills with experience in problem solving and being able to implement and deliver solutions. 
• Demonstrate clear sense of accountability in performing the role and a positive demeanor. 
• Ability to identify risks, control gaps, inefficiencies, see the bigger picture, challenge the current status quo and define scalable and sustainable processes and methodology. 
• Ability to lead end-to-end process and control improvements cross-functionally and across various regions. 
• Able to prioritize quickly and meet deadlines even under pressure. 
• Strong stakeholder management and communication skills. 
• Team player with strong collaborative qualities, including some previous experience (or willingness) to build, lead and motivate a team. 
• Ability to communicate in fluent spoken and written Spanish and English. 
• Demonstrated experience building and managing a Fintech/IFPE compliance program, including regulatory reporting, program governance, and ownership of ongoing CNBV/SHCP regulatory requirement changes and obligations. 
• Demonstrated experience building and managing an electronic payment or remittance compliance program, including program development, reporting frameworks, and full ownership of Mexican regulatory compliance obligations. 
• Significant experience working with and engaging regulators (CNBV/SHCP) and managing and leading regulatory examinations and independent program audits. 

• Experience with Virtual Asset (Stablecoin) operationalization, including development of compliance controls, regulatory reporting structures, and alignment with Banxico requirements and international (FATF/GAFI) guidance. 

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.  

For more detailed region specific benefits :  https://www.nium.com/careers#careers-perks 

For more information visit www.nium.com 

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