Nium

The Role We're looking for a driven Licence Expansion Manager – North America to own Nium's regulatory licensing strategy across the United States and Canada. You will lead Nium's efforts to obtain, activate, and operationalise its US Money Transmission Licence (MTL) programme, pursue crypto-specific licences and variations on a state-by-state basis, and support Nium's integration with Canada's real-time payment infrastructure. This is a high-impact, execution-focused role that sits at the intersection of regulatory strategy, licensing operations, and cross-functional delivery. You will collaborate closely with Legal, Compliance, Product, Treasury, Tech, Ops, and Commercial teams to deliver successful market launches across North America. We’re looking for individuals with a regulatory background (be that legal or compliance) who have a hands-on operator / product mindset. What You'll Own Working with the Head of Global Expansion, you will execute Nium's North America licence roadmap across four core workstreams: 1. US Money Transmission Licences (MTLs) Lead the end-to-end strategy and application process to obtain outstanding US MTLs, with a particular focus on securing licences in California and New York. Manage regulator relationships, respond to examiner queries, and drive applications to completion with minimal delay. Track and manage all MTL applications across states, maintaining a live view of status, timelines, risks, and costs. Coordinate with external counsel and internal stakeholders to ensure application quality and completeness. 2. MTL Activation and Operationalisation Transition states currently operating under a bank partner programme onto Nium's own MTL as licences are obtained, working cross-functionally to ensure operational readiness. Define and execute the activation playbook for each state, covering compliance obligations, product configuration, treasury requirements, and go-live processes. Identify and resolve blockers to operationalisation, including bond requirements, net worth obligations, reporting cadences, and agent registration. Maintain a clear state-by-state activation tracker and report progress to the Head of Global Expansion and senior leadership. 3. Crypto-Specific Licences and Variations Identify states where Nium's product suite requires a crypto-specific licence or a variation to an existing MTL (e.g. BitLicence in New York, virtual currency transmitter endorsements). Lead applications and regulatory engagement for crypto licence variations on a state-by-state basis, working closely with Legal and Product. Monitor evolving US state-level crypto licensing requirements and proactively assess impact on Nium's licensing posture. Engage with regulators on the regulatory treatment of stablecoins and digital asset transmission where relevant to Nium's roadmap. 4. Canada – Real-Time Rails and Interac Integration Support Nium's integration with Payments Canada's Real-Time Rail (RTR) and the Interac network, working alongside Product and Tech to navigate regulatory and membership requirements. Engage with Payments Canada, Interac, and relevant Canadian regulators to understand access models, participation requirements, and compliance obligations. Coordinate internal readiness for Canadian real-time payment capabilities, ensuring alignment across Legal, Compliance, Treasury, and Product. Identify and manage any licensing or registration requirements arising from expanded Canadian payment capabilities. Across all workstreams: Track budgets, risks, and timelines, and report on a periodic basis to the Head of Global Expansion and senior leadership. Build strong relationships with state and federal regulators across the US and Canada. Contribute to Nium's broader global licensing strategy and share North America market intelligence with the wider expansion team.

• Develop and manage Financial Crime and AML methodology to manage all sources of regulatory risk to ensure adherence to FINTRAC regulations • Monitor changes to FINTRAC regulations and AML/CTF laws • Act as the primary point of contact with FINTRAC and regulatory bodies • Identify control gaps and lead the implementation of control enhancements • Develop country specific risk assessment highlighting control gaps • Act as a subject matter expert for Canadian, US, and Latin America compliance-related matters • Review and approve high risk business for institutional clients from the Americas Region • Ensure timely and accurate filing of FINTRAC reports

• 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.

• Your primary responsibilities will be to acquire new clients in LATAM and generate incremental revenues for the company. • You will be spending a good amount of your energy understanding new clients, acquiring new clients, regularly analyzing the key clients’ business, operations and performance, and work with the management team and peers in other functional areas to leverage best practices and provide consistent high competent sales skills.