Senior Manager – Regulatory Compliance, Money Laundering Reporting Officer

Role Overview

• 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.

Requirements

• 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.

Benefits

• 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.