Compliance & Money Laundering Reporting Officer - MY

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. 

Role Summary
The Compliance & Money Laundering Reporting Officer will serve as the appointed Money Laundering Reporting Officer for NIUM Malaysia and will be responsible for the design, implementation, oversight, and continuous enhancement of the AML/CFT, sanctions, and financial crime compliance framework in accordance with the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA), Bank Negara Malaysia (BNM) requirements, and NIUM's global compliance standards.
The successful candidate will act as the primary liaison with Bank Negara Malaysia and other regulatory authorities on AML/CFT matters while partnering closely with business, operations, product, legal, and compliance teams to support NIUM's growth in Malaysia.

Key Responsibilities

• Serve as the designated Compliance & Money Laundering Reporting Officer for NIUM Malaysia.
• Own and maintain the Malaysia AML/CFT and Sanctions Compliance Programme.
• Ensure compliance with AMLA 2001, BNM AML/CFT Policy Documents, sanctions requirements, and applicable regulatory obligations.
• Act as the primary contact for Bank Negara Malaysia on AML/CFT matters, regulatory inspections, audits, and information requests.
• Review and approve Suspicious Transaction Reports (STRs) and ensure timely submission to the relevant authorities.
• Provide oversight of:
• Customer Due Diligence (CDD)
• Enhanced Due Diligence (EDD)
• PEP screening
• Sanctions screening
• Transaction Monitoring
• Name Screening
• Ongoing customer risk reviews
• Lead periodic AML risk assessments and enterprise financial crime risk assessments.
• Monitor emerging AML/CFT regulations and ensure timely implementation of regulatory changes.
• Develop and maintain AML/CFT policies, procedures, and internal controls.
• Present AML/CFT updates, risk assessments, and compliance reports to senior management and governance committees.
• Partner with Product and Operations teams to ensure AML controls are embedded into new products and payment flows.
• Oversee AML investigations and ensure appropriate escalation of financial crime risks.
• Lead AML training and awareness programmes across the Malaysia entity.
• Support internal audit, external audit, and regulatory examinations.

Requirements

• Bachelor's degree in Law, Finance, Accounting, Business, Risk Management, or a related discipline.
• ACAMS, ICA, or equivalent AML certification preferred.
• Minimum 12+ years of experience in AML/CFT, Financial Crime Compliance, or Regulatory Compliance.
• Prior experience serving as an MLRO or Deputy MLRO within a regulated financial institution, payments company, fintech, digital bank, or e-money institution.
• Strong knowledge of:
• AMLA 2001
• BNM AML/CFT requirements
• FATF Recommendations
• Sanctions regulations
• Financial crime risk management
• Experience with transaction monitoring, sanctions screening, KYC/EDD, and suspicious activity reporting.
• Excellent stakeholder management and regulatory engagement experience.
• Strong analytical, decision-making, and problem-solving skills.
• Excellent written and verbal communication skills.
Preferred Experience
• Experience within cross-border payments, fintech, digital banking, payment service providers, or correspondent banking.
• Familiarity with AML transaction monitoring systems such as Actimize, Feedzai, Featurespace, ComplyAdvantage, or similar platforms.
• Experience managing regulatory examinations and remediation programmes.
• Experience working in a high-growth, fast-paced fintech environment.

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.