Data Scientist - Compliance

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. The increasing volume, complexity, and regulatory scrutiny of financial‑crime and compliance risks requires advanced, data‑driven capabilities that traditional analytics and manual processes can no longer support. The Compliance Data Scientist will significantly enhance Nium’s ability to detect emerging risks, optimise controls, meet regulatory expectations, and drive operational efficiency across the compliance function. This role fills a critical capability gap and directly supports strategic priorities including automation, risk‑based decisioning, model optimisation, data‑quality improvement, and regulatory assurance. Additionally, this role is specifically designed to support activities related to transitioning compliance systems to advanced, data-driven Artificial Intelligence / Machine Learning solutions e.g. Transaction Monitoring detection models.

Role Summary:

• Responsible for development of AI/ML models to identify risks (such as fraud or credit risk) while ensuring these models are auditable, explainable, and compliant with data privacy laws
• Understand the coverage and accuracy of the existing rules for anti-money laundering and financial crimes
• Support rules management process to ensure rules are performing to expected thresholds
• Support the integrity, accuracy, and usability of data across compliance and financial crime functions.
• Develops data dashboards to provide visibility of performance of rules and models
• Leverage advanced analytics to understand cause and effect relationships
• Understand data quality and labelling, perform advanced analysis to identify high predictive strength variables, and work with technology teams on availability of variables.

Key Responsibilities

• Design, deploy, and monitor predictive models and AI algorithms to detect anomalies, fraud, or potential breaches
• Conduct deep-dive analyses into risk events, identifying root causes to improve risk strategies and operational workflows
• Analyze large datasets to identify patterns, anomalies, and emerging risks.
• Performs data validation, cleansing, and reconciliation for regulatory reporting.
• Ensure alignment with regulatory requirements by building scalable reporting platforms and documenting data protocols
• Partner with legal, product, and operations teams to translate complex technical findings into actionable business insights for senior management
• Maintains auditability, traceability, and evidence generation within systems.

Requirements

• Degree in Statistics, Mathematics, Data Science, Economics, or related quantitative field
• 3 years in data science, advanced analytics, or machine‑learning roles.
• Proficiency in various model development techniques
• Prior experience in financial services, fintech, payments, or consulting would be strongly preferred
• Exposure to financial‑crime systems (e.g., transaction monitoring, sanctions screening, case‑management platforms).
• Experience supporting compliance operations, investigations, or model governance.
• Experience building and deploying ML models in production environments.
• Strong analytical rigor, proactive problem-solving, and capability to communicate technical concepts to non-technical partners
• Self-motivated, adept in working individually and as part of a global team

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. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.