Senior Product & Regulatory - Legal Counsel (North & South America)

Nium, Global Leader in Payments Nium, 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. 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. About the Team Nium’s Global Legal Team works at the intersection of financial technology and regulatory frameworks. Our work helps Nium build innovative products, understand and manage risks, and creatively navigate complexity and challenges. About the Role We’re looking for a fast-learning and dynamic Senior Product & Regulatory Counsel, based in our San Francisco office, to support our rapid growth throughout North and South America. You’ll be a key strategic advisor to cross-functional teams, including Product, Engineering, Compliance, Bank Partnerships, and Marketing. You’ll help design and build new payment products and services, provide strategic advice about Nium’s legal and regulatory obligations in the Americas region, and help drive our expansion into new markets. This role requires strong familiarity with US money transmission licensing (MTLs), cross-border payment systems and regulations, US bank sponsorship, and financial services laws to help us continue to drive innovation and accelerate our licensing and growth plans for the region. Familiarity with––or an ability to quickly learn––the regulatory schemes across Canada, Brazil, Mexico, is also required. 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: 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 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 Constantly Innovate: Since our inception, Nium has received constant recognition and awards for how we approach both our business and talent opportunities. Check out CNBC World’s Top Fintech Companies 2024. 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. For more detailed region-specific benefits: https://www.nium.com/careers#careers-perks For more information, visit www.nium.com. Depending on your location, certain laws may regulate the way Nium manages the data of candidates. By submitting your job application, you are agreeing and acknowledging that you have read and understand our Candidate Privacy Notice located at www.nium.com/privacy/candidate-privacy-notice. Nium provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. In addition to federal law requirements, Nium complies with applicable state and local laws governing non-discrimination in employment in every location in which the company operates. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Nium expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. Responsibilities As a key member of our Global Product & Regulatory Legal Team, you’ll be lead counsel for driving our legal and regulatory strategy across North and South America (in particular, US, Canada, Brazil, Mexico, among others). You’ll lead our efforts to obtain, operationalize, and maintain our core licenses through the region (including US MTLs, Brazilian EMI and FX licenses, Mexican money transmitter license, Canadian RPAA compliance, Quebec MSB license, among others). You’ll partner closely with our global product, engineering and business teams to advise on a range of issues including product development, financial services regulations, payments, consumer protection, market expansion, data privacy and intellectual property. You’ll live and breathe the Legal Team's core values of operating with Speed, Clarity and Trust. You’ll help build scalable and effective processes for legal review and launch of new products and services. Requirements You have at least 6 years of experience as a qualified lawyer in an in-house legal team, top law firm and/or government agency. You have deep familiarity with payments, fintech, or financial services laws and regulations, throughout the Americas. You’re highly collaborative, are inquisitive and solutions-oriented, and have prior experience advising on product development at fast-moving technology companies. You’re biased towards action and impact, and no task is too big or too small for you; you can roll up your sleeves and get things done. You have exceptional verbal and interpersonal communication skills, can build strong relationships with business colleagues, and can simplify legal concepts and communicate them in easy-to-understand language. You exhibit genuine curiosity, are passionate about your work, and enjoy a fast-paced working environment. You’re humble with low-ego, have a strong desire to grow and learn, and have a deep commitment to your teammates.