Nium

Head of Risk & Compliance, Data Science

Posted Yesterday

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Bangalore, Bengaluru Urban, Karnataka, IND

In-Office

Expert/Leader

Blockchain • Fintech • Payments • Cryptocurrency

The Role

Lead development of AI/ML models for risk identification in compliance, manage data compliance framework, mentor teams, and enhance analytics capabilities.

Summary Generated by Built In

Nium is the global infrastructure company powering real-time cross-border payments. Founded to deliver the payments infrastructure of tomorrow, today, we are building a programmable, borderless, and compliant money-movement layer that powers transactions between people, businesses, and intelligent systems — enabling banks, fintechs, payroll providers, travel platforms, marketplaces, and other global enterprises to move money instantly, anywhere in the world.

Co-headquartered in San Francisco and Singapore, with offices in 14 markets and team members across 20+ countries, we take pride in a culture anchored in Keeping It Simple, Making It Better, and Winning Together. 2025 was the strongest year in our 10-year history, with record revenue, record transaction volumes, and EBITDA profitability — and we are now entering one of the most dynamic chapters in our journey. We believe the best work happens face-to-face, and we operate a hybrid model with three in-office days per week to strengthen collaboration, alignment, and innovation.

We move over $50B annually across a network that spans 190+ countries, 100 currencies, and 100 real-time corridors. We power fast payouts to accounts, wallets, and cards; enable local collections in 35 markets; and support card issuance in 34 countries — all backed by licenses across 40+ markets.

With over $300M raised to date, Nium offers ambitious builders the opportunity to shape the future of global money movement — at scale.

Role Summary:

Responsible for leading the 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
Enhance the coverage and accuracy of the existing rules for anti-money laundering and financial crimes

Establish and run rules management process to ensure rules are performing to expected thresholds

Manage, mentor, and develop a team of data scientist/analysts supporting compliance domains such as AML, sanctions, fraud, KYC, conduct, and regulatory reporting.

Ensures 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

Bridge advanced analytics with regulatory requirements and risk management

Assess data quality and labelling, perform advanced analysis to identify high predictive strength variables, and work with technology teams on availability of variables.

Ensures that data-driven insights strengthen regulatory adherence, operational efficiency, and fraud prevention strategies.

Key Responsibilities

Define the vision for Data Science in risk and compliance, ensuring alignment with business goals, risk appetite, and regulatory requirements

Lead the end-to-end development of ML models (e.g., AML detection, KYC/KYB, fraud scoring, model validation) while ensuring compliance with auditability and fairness standards

Knowledgeable about AI and comfortable leveraging AI in different aspects of model development

Supports rules and models testing and validation, in coordination with the Product Team.

Identifies opportunities to enhance compliance analytics capabilities and automation.

Develop, measure, and monitor data risk frameworks, including data quality, integrity, and security

Requirements

Master's degree or PhD in Computer Science, Data Science, Statistics, Mathematics, or a related field

12+ years in data science / modeling roles preferably in compliance or financial crime domain.

Strong understanding of ETL (Extract, Transform, Load) processes, data modelling concepts and data warehousing

Understanding of AML, KYC, sanctions, and regulatory reporting requirements would be preferred

Proficient in AI/ML algorithms, statistical modeling, data mining, and languages like Python, R, and SQL

Experience in building data / management information dashboards in different environments (Power BI, Qlikview, Qilksense)

Familiarity with financialcrime systems and data structures (AML transaction monitoring, sanctions screening engines and fraud detection systems) is a plus.

Ability to translate complex datasets into high accuracy good / bad separation decisions

Strong written and verbal skills for reporting and stakeholder engagement.

Build and manage high-performing teams, fostering a culture of innovation, data science excellence, and compliance awareness

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.

Top Skills

Power BI

Python

Qilksense

Qlikview

SQL

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The Company

713 Employees

Year Founded: 2015

What We Do

Nium is an advanced payments platform redefining the way consumers and businesses send, spend, and receive funds across borders. Nium’s goal is to make the movement of money seamless through being a universal plug for financial services. The company uses agile, elegant, and modular solutions for complex business problems. Be it an Individual, new-age digital bank, or a traditional industry behemoth, Nium prides itself on creating financial infrastructure for every level of sophistication. Nium’s key solutions: • Pay-ins • Pay-outs • Card issuance • Banking-as-a-service • Crypto-as-a-service We are a global leader in B2B modern money movement • Launched the world’s first global platform for crypto-as-a-service • $280M Funding • Series D • $2B Valuation o 130+M End customers o 190+ Payout markets o 100+ Supported currencies • Named on CB Insight’s Fintech 250 List • Financial Times’ List of Asia-Pacific High-Growth Companies 2021 • Fintech Employer of the Year’ at the 2021 Singapore Fintech Festival • Best B2B Payment Platform’ at the 2021 Future Digital Awards

Why Work With Us

We, at Nium, are on a mission to transform modern money movement. We are driven by our co-created values of "seek the simple", "make it better" and "win it together". These aren't just buzzwords; they're how we do business every day and owned by each and every employee at Nium. We create new rules and new possibilities for a world of open money.