Director – Regulatory Compliance & MLRO Malta

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. As the Director – Regulatory Compliance & MLRO Malta, you will be working as part of Nium’s global, dynamic Compliance team. The Compliance team is responsible for advising the business on all compliance matters and ensuring the regulatory requirements for Malta are met. In addition, this team is also responsible for client onboarding, Transaction Monitoring, and for the detection and prevention of financial crime including, money laundering, and terrorist financing. ### Responsibilities - Develop and manage Financial Crime and AML methodology to manage all sources of regulatory risk to meet the needs of our Maltese/EU regulators and ensure they remain up to date with all regulatory and international standard - Develop country specific risk assessment highlighting control gaps - Build up compliance reporting as per regulatory and governance requirements and issue internal reports to Senior Management (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 Europe - Develop and improve the company’s policies and procedures on an ongoing basis - Lead AML external audits - Perform ongoing risk assessments and horizon scanning for applicable regulatory requirements - Act as point of contact for the Malta Financial Services Authority (MFSA) and law enforcement agencies - Ensure proper regulatory and AML/CFT reporting to MFSA - Assist in to improve and streamline end to end compliance operational processes through automation and technology - Lead the roll out and ongoing management of the Compliance Training Framework - Participating in Compliance or business-driven projects, including regulatory developments and strategic initiatives ### Requirements - 10+ years’ experience within regulated companies, in senior compliance role(s) with robust knowledge on Compliance topics (KYB / KYC, AML/CFT, Sanctions etc.) - Good understanding of the Payments/Fintech industry - Knowledge and experience (preferably within Payments/Fintech) in Malta - ACAMS/ICA certified (preferably) - 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 demeanour - Ability to identify inefficiencies, see the bigger picture, challenge the current status quo and define scalable and sustainable processes and methodology - Able to prioritize quickly and meet deadlines even under pressure - Strong stakeholder management and communication skills - Team player with strong collaborative qualities - Ability to lead and motivate high-performing individuals. - Willingness to learn continuously and keep up to date with the Payments industry and its regulatory landscape (globally). - Fluent English