Nium is a global leader in modern money movement. It provides banks, payment providers, and businesses of any size with access to global payment and card issuance services. Its modular platform powers frictionless commerce, helping businesses pay and get paid across the globe with services for pay-outs, pay-ins, card issuance, and banking-as-a-service.

Once connected to the Nium platform, businesses are able to pay out in more than 100 currencies to over 190 countries - 85 of which in real time. Funds can be received in 27 markets, including Southeast Asia, UK, Hong Kong, Singapore, Australia, India, and the US. Nium's growing card issuance business is already available in 34 countries, including Europe (SEPA), the UK, Australia and Singapore. Nium's license portfolio covers 11 of the world's jurisdictions, enabling seamless global payments and rapid integration, regardless of geography.

Nium was named among "Financial Times APAC High-Growth Companies" and "Best B2B Payment Platform at Future Digital Awards" in 2021.

nium

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<p><span data-contrast="none">Nium&nbsp;provides global infrastructure for real-time cross-border payments.</span><span data-contrast="none">&nbsp;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.&nbsp;&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
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<p><span data-contrast="none">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&nbsp;March 2026, we delivered the largest month in our 11-year history with record revenue, record volumes, and EBITDA profitability. Today,&nbsp;Nium&nbsp;moves&nbsp;nearly&nbsp;$60B&nbsp;in payments annually,&nbsp;almost entirely&nbsp;for enterprises, while continuing to strengthen an already healthy balance sheet.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
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<p><span data-contrast="none">It is an incredible time to join us, and we are only just getting started.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
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<p><span data-contrast="none">Our payout network spans 190+ countries and&nbsp;100&nbsp;currencies, with&nbsp;100&nbsp;+&nbsp;corridors in real time. We power seamless transfers to accounts, wallets, and cards, support local collections in 35 markets, and&nbsp;as&nbsp;</span><span data-contrast="none">a principal card issuer&nbsp;on&nbsp;Visa, Mastercard, Discover, and UATP,&nbsp;Nium&nbsp;issues over 50 million card tokens every year.</span><span data-contrast="none">&nbsp;Backed by regulatory licenses in&nbsp;40+&nbsp;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&nbsp;PayTech&nbsp;Awards, and inclusion in FXC Intelligence’s Top 100 Cross-Border Payments Companies list.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
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<p><span data-contrast="none">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,&nbsp;Nium&nbsp;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.</span><span data-ccp-props="{}">&nbsp;</span></p>
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<p><strong>About the Role&nbsp;</strong></p>
<p>Nium moves billions in payments every month for some of the world’s most demanding companies — banks, fintechs, and enterprise platforms operating across 100+ countries. We built that on fiat rails. The next layer is digital currency: stablecoins, on/off-ramps, and card products that let customers spend, settle, and move value in USDC as naturally as they do in dollars or euros.</p>
<p>We’re hiring a Staff PM – Digital Assets to own that build. Not the strategy document — the actual product. If you’ve shipped a stablecoin wallet, a crypto-funded card, or a fiat-to-digital conversion flow and you understand what it takes to get that through compliance, engineering, and go-live in a regulated environment, this is your rol</p>
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Staff Product Manager  – Digital Assets

<div><b style="font-size: 13.5pt">Nium, the Leader in Real-Time Global Payments</b><span style="font-size: 13.5pt">&nbsp;</span></div><div><span style="font-size: 11pt">&nbsp;</span></div><div><span style="font-size: 16px">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.</span></div><div><br></div><div><strong>About the Role:</strong><br><br>Nium is looking to hire a Manager who supports in strengthening the relationship with existing/ new partners in terms of transactional /compliance process, technical integrations etc. The ideal candidate will be able to get into the details while providing operational expertise and guidance, managing escalations and bringing process improvement /enhancement for seamless transactional services. This role will also require strong competencies in performing detailed data gathering on partner's performance in terms of payment processing and analyzing the gathered data.</div>

Manager - Network Operations

<div><b>Nium, Global Leader in Payments</b></div><div><b>&nbsp;</b></div><div><a href="https://www.nium.com/"><span style="font-size: 11pt">Nium</span></a><span style="font-size: 11pt">, 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.&nbsp;&nbsp;</span></div><div><span style="font-size: 11pt">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.&nbsp;</span></div><div><br></div><div>
<p>About the Role</p>
<p>Nium is looking for a VP - Product to lead the strategy, commercial performance, and end-to-end evolution of our global&nbsp;payments product portfolio, with particular focus on payments infrastructure, card issuance, and stablecoins/digital&nbsp;assets.</p>
<p>Reporting directly to the CEO, this highly visible leader will translate company strategy into differentiated products that&nbsp;create measurable value for customers and the business. You will operate as a mini-GM and true product owner for your&nbsp;portfolio - accountable not only for vision and delivery, but also for market fit, go-to-market readiness, adoption,&nbsp;revenue, margin, and long-term performance.</p>
<p>You will work at the intersection of product, technology, commercial strategy, financial infrastructure, and regulation,&nbsp;partnering closely with Engineering, Sales, Marketing, Network &amp; Partnerships, Treasury, Compliance, Operations, and&nbsp;senior leadership across Nium.</p>
<p>This is not a purely strategic leadership role. The successful candidate will move comfortably between long-term&nbsp;product vision, customer and market research, commercial decisions, technical architecture, go-to-market&nbsp;execution, and detailed product trade-offs.</p>
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Vice President - Product

<div><b>Nium, Global Leader in Payments</b></div><div><b>&nbsp;</b></div><div><a href="https://www.nium.com/"><span style="font-size: 11pt">Nium</span></a><span style="font-size: 11pt">, 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.&nbsp;&nbsp;</span></div><div><span style="font-size: 11pt">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.&nbsp;</span></div><div><br></div><h3><span style="color: #000000;">About the Role</span></h3>
<p>Nium is seeking a Head of Compliance - Platforms to serve as the senior Compliance partner to the Platforms business. This role will work closely with Sales, Business Development, Partnerships, Account Management, Product, Legal, and Nium's country compliance teams to identify regulatory considerations early, incorporate local requirements into commercial strategy, and enable compliant opportunities across the Platforms vertical.</p>
<p>The successful candidate will provide practical guidance on complex enterprise relationships, particularly platforms and marketplaces that use Nium's solutions to serve their own merchants or customers. This is a commercially focused Compliance role centered on structuring deals, supporting new platform models and use cases, and enabling responsible growth. The role will also own Compliance outcomes for relationships with bank partners, card networks, stablecoin networks, and other payment infrastructure partners.</p>
<p>While this role does not directly own regulatory relationships or license-protection responsibilities, the successful candidate will bring a deep understanding of these areas and apply that knowledge to provide practical guidance to commercial teams.&nbsp;They will also work closely with Nium's country Compliance teams.</p>

Head of Compliance - Platforms

<div><b style="font-size: 13.5pt">Nium, the Leader in Real-Time Global Payments</b><span style="font-size: 13.5pt">&nbsp;</span></div><div><span style="font-size: 11pt">&nbsp;</span></div><div><span style="font-size: 16px">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.</span></div><div><br></div><div>
<div><span style="font-size: 16px;">About the Role:</span></div>
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<div><span style="font-size: 16px;">We are looking for a detail-oriented and proactive Sr. Analyst – Client Servicing to support our enterprise clients in the US region. This role requires working in India night shifts (US business hours)</span><strong style="font-size: 16px;">&nbsp;</strong><span style="font-size: 16px;">and focuses on delivering exceptional client experiences, resolving queries, and ensuring smooth onboarding and ongoing support.</span></div>
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Senior Analyst - Client Servicing

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<div><strong>About Nium</strong></div>
<div>&nbsp;</div>
<div>Nium is the leading 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.&nbsp;&nbsp;</div>
<div>&nbsp;</div>
<div>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 July 2025, we delivered the largest month in our 10-year history with record revenue, record volumes, and EBITDA profitability. Today, Nium moves nearly $50B in payments annually, almost entirely for enterprises, while continuing to strengthen an already healthy balance sheet.&nbsp;</div>
<p><strong>It is an incredible time to join us, and we are only just getting started.&nbsp;</strong></p>
<div>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 run a card issuance business live in 34 countries. Backed by regulatory licenses in more than 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.&nbsp;</div>
<div>&nbsp;</div>
<div>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.&nbsp;</div>
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<p><strong>About the Role</strong></p>
<p>We are looking for a commercially minded, execution-oriented Senior Commercial Counsel to support Nium’s next phase of global growth. You will serve as a trusted legal partner to our commercial, partnership, treasury, compliance, and executive teams, leading complex transactions across payments, card issuance, treasury, and digital asset and stablecoin-enabled solutions. Success requires exceptional commercial judgment, a pragmatic mindset, and the ability to deliver clear, business-focused advice at speed.</p>
<p><strong>Our Legal Team</strong></p>
<p>We are known for Speed, Clarity, and Trust. We move quickly without sacrificing judgment, give practical advice that helps teams act with confidence, and focus on enabling growth and navigating complexity. The best candidates are commercially minded, highly responsive, intellectually curious, and energised by complex problems.</p>
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Senior Commercial Counsel

<div><b style="font-size: 13.5pt">Nium, the Leader in Real-Time Global Payments</b><span style="font-size: 13.5pt">&nbsp;</span></div><div><span style="font-size: 11pt">&nbsp;</span></div><div><span style="font-size: 16px">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.</span></div><div><br></div><div>About the role:</div>
<div><br>Our Compliance Team is comprised of professionals with a comprehensive expertise in Indonesia’s financial regulatory framework, enabling them to navigate the complexities of the payments industry with finesse and precision. Joining Nium's Compliance Team means being part of a dynamic and forward-thinking group that actively contributes to shaping the future of financial services<br>As we continue to expand our footprint globally, we seek individuals who are passionate<br>about compliance, possess a keen eye for detail, and are driven to maintain the highest<br>standards of integrity.</div>

Sr Analyst - Regulatory Compliance

<div><b style="font-size: 13.5pt">Nium, the Leader in Real-Time Global Payments</b><span style="font-size: 13.5pt">&nbsp;</span></div><div><span style="font-size: 11pt">&nbsp;</span></div><div><span style="font-size: 16px">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.</span></div><div><br></div><div>
<p><strong>About the role</strong></p>
<p>&nbsp;</p>
<p>Nium is seeking a motivated Sr Reporting Analyst to join our dynamic global finance team. This is an excellent opportunity to work closely with the VP of Finance and Director of Reporting on global accounting, audit, and reporting initiatives. This candidate will be the point person on financial reporting and technical accounting at the company and focus on keeping audits and reporting on track. &nbsp;&nbsp;</p>
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Senior Reporting Analyst

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<p><span data-contrast="none">Nium&nbsp;provides global infrastructure for real-time cross-border payments.</span><span data-contrast="none">&nbsp;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.&nbsp;&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
</div>
<div>
<p><span data-contrast="none">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&nbsp;March 2026, we delivered the largest month in our 11-year history with record revenue, record volumes, and EBITDA profitability. Today,&nbsp;Nium&nbsp;moves&nbsp;nearly&nbsp;$60B&nbsp;in payments annually,&nbsp;almost entirely&nbsp;for enterprises, while continuing to strengthen an already healthy balance sheet.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
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<div>
<p><span data-contrast="none">It is an incredible time to join us, and we are only just getting started.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
</div>
<div>
<p><span data-contrast="none">Our payout network spans 190+ countries and&nbsp;100&nbsp;currencies, with&nbsp;100&nbsp;+&nbsp;corridors in real time. We power seamless transfers to accounts, wallets, and cards, support local collections in 35 markets, and&nbsp;as&nbsp;</span><span data-contrast="none">a principal card issuer&nbsp;on&nbsp;Visa, Mastercard, Discover, and UATP,&nbsp;Nium&nbsp;issues over 50 million card tokens every year.</span><span data-contrast="none">&nbsp;Backed by regulatory licenses in&nbsp;40+&nbsp;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&nbsp;PayTech&nbsp;Awards, and inclusion in FXC Intelligence’s Top 100 Cross-Border Payments Companies list.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
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<p><span data-contrast="none">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,&nbsp;Nium&nbsp;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.</span><span data-ccp-props="{}">&nbsp;</span></p>
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<p style="margin: 0cm 0cm 10pt; line-height: 115%; font-size: 10.5pt; font-family: Aptos, sans-serif;"><strong><span style="font-size: 13.0pt; line-height: 115%;">About the Role</span></strong></p>
<p style="margin: 0cm 0cm 5pt; line-height: 105%; font-size: 10.5pt; font-family: Aptos, sans-serif;">We are building Nium's Product Compliance function as a strategic capability that enables safe, scalable global growth.</p>
<p style="margin: 0cm 0cm 5pt; line-height: 105%; font-size: 10.5pt; font-family: Aptos, sans-serif;">&nbsp;</p>
<p style="margin: 0cm 0cm 5pt; line-height: 105%; font-size: 10.5pt; font-family: Aptos, sans-serif;">As a Product Compliance Manager, you will sit at the intersection of Product, Payments, Risk, Compliance, Legal, Engineering and AI. You will help ensure that Nium's products are designed, launched and operated in line with regulatory expectations across multiple jurisdictions.</p>
<p style="margin: 0cm 0cm 5pt; line-height: 105%; font-size: 10.5pt; font-family: Aptos, sans-serif;">&nbsp;</p>
<p style="margin: 0cm 0cm 5pt; line-height: 105%; font-size: 10.5pt; font-family: Aptos, sans-serif;">This role goes beyond interpreting regulation. You will understand how products and payment flows work end-to-end, identify regulatory and financial crime risks, and work with Product and Engineering teams to design practical controls directly into the product and operating model.</p>
<p style="margin: 0cm 0cm 5pt; line-height: 105%; font-size: 10.5pt; font-family: Aptos, sans-serif;">&nbsp;</p>
<p style="margin: 0cm 0cm 5pt; line-height: 105%; font-size: 10.5pt; font-family: Aptos, sans-serif;">We are looking for a builder and systems thinker who can turn complex regulatory requirements into scalable solutions.</p>
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Product Compliance Manager

<div>
<p><span data-contrast="none">Nium&nbsp;provides global infrastructure for real-time cross-border payments.</span><span data-contrast="none">&nbsp;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.&nbsp;&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
</div>
<div>
<p><span data-contrast="none">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&nbsp;March 2026, we delivered the largest month in our 11-year history with record revenue, record volumes, and EBITDA profitability. Today,&nbsp;Nium&nbsp;moves&nbsp;nearly&nbsp;$60B&nbsp;in payments annually,&nbsp;almost entirely&nbsp;for enterprises, while continuing to strengthen an already healthy balance sheet.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
</div>
<div>
<p><span data-contrast="none">It is an incredible time to join us, and we are only just getting started.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
</div>
<div>
<p><span data-contrast="none">Our payout network spans 190+ countries and&nbsp;100&nbsp;currencies, with&nbsp;100&nbsp;+&nbsp;corridors in real time. We power seamless transfers to accounts, wallets, and cards, support local collections in 35 markets, and&nbsp;as&nbsp;</span><span data-contrast="none">a principal card issuer&nbsp;on&nbsp;Visa, Mastercard, Discover, and UATP,&nbsp;Nium&nbsp;issues over 50 million card tokens every year.</span><span data-contrast="none">&nbsp;Backed by regulatory licenses in&nbsp;40+&nbsp;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&nbsp;PayTech&nbsp;Awards, and inclusion in FXC Intelligence’s Top 100 Cross-Border Payments Companies list.&nbsp;</span><span data-ccp-props="{}">&nbsp;</span></p>
</div>
<div>
<p><span data-contrast="none">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,&nbsp;Nium&nbsp;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.</span><span data-ccp-props="{}">&nbsp;</span></p>
</div><div><br></div><div>
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<p><span data-contrast="none">We are hiring a Senior Manager to take ownership of safeguarding for NIUM's UK regulated entities, covering both&nbsp;emoney&nbsp;and payment services activities under the Electronic Money Regulations 2011, Payment Services Regulations 2017, and the FCA's CASS15 sourcebook. This is a senior, hands-on, first-line role combining regulatory ownership, treasury decision-making, and 4-eyes oversight of operational work across the group.</span><span data-ccp-props="{&quot;335559739&quot;:140}">&nbsp;</span></p>
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<p><span data-contrast="none">You will be the day-to-day authority on UK safeguarding compliance;&nbsp;running reconciliation checks, chairing the UK Safeguarding Committee, owning FCA reporting, and acting as the escalation point for safeguarding incidents. You&nbsp;will also make live decisions on UK cash management, diversification, and interest optimisation, working closely with Compliance and the Director of Safeguarding to keep UK processes aligned to group standards while staying compliant with UK-specific regulatory requirements.</span><span data-ccp-props="{&quot;335559739&quot;:140}">&nbsp;</span></p>
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<p><span data-contrast="none">This is a fast-paced, high-visibility role in a business&nbsp;operating&nbsp;across 40+ regulated&nbsp;jurisdictions,&nbsp;you&nbsp;will need to be comfortable making sound decisions quickly as rules, products, and volumes evolve.</span></p>
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