The Role
We're looking for a driven North America Expansion Lead 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.
What We're Looking For
5+ years of experience in the legal, compliance, or consulting space, with direct exposure to US financial services regulation.
Proven experience managing US state money transmission licence applications — from preparation and submission through to approval.
Strong understanding of US MTL frameworks, including state-specific requirements, surety bonds, net worth obligations, and examination processes.
Experience with crypto or virtual currency licensing at the state level (e.g. New York BitLicence, or equivalent) is highly desirable.
Familiarity with Canadian payment systems, including Payments Canada, Interac, and the Real-Time Rail, is a strong advantage.
Demonstrated ability to manage complex, multi-workstream licensing programmes in a fast-moving environment.
Experience working directly with regulators, including managing examiners and responding to regulatory queries.
Strong commercial and project management skills, with the ability to drive execution across cross-functional teams.
Experience in fintech, payments, e-money, cards, or stablecoins is strongly preferred.
About You
- Hands-on with a “whatever it takes” attitude
Execution-focused and highly accountable
Comfortable navigating regulatory complexity across multiple US states simultaneously
Commercially minded and data-driven
Able to influence across global and regional teams
Excited to build in a fast-moving, high-growth environment
Nium is a fast-moving and flat organisation. We have a growing presence in North America and are at a pivotal stage of our US licensing journey. To be successful in this role you should be comfortable operating in ambiguity and taking ownership of decision making. In addition, you should be:
Location
This role is based in our San Francisco or New York offices. We are open to applications from Canada with the appropriate experience. Travel is required and essential for this role, including to state regulators across the US and to Canada.
Salary
This is a manager / senior manager level role with a salary range of $130,000 – $180,000 USD depending on experience and location.
Skills Required
- 5+ years of experience in the legal, compliance, or consulting space
- Experience managing US state money transmission licence applications
- Strong understanding of US MTL frameworks
- Experience with crypto licensing at the state level is highly desirable
- Familiarity with Canadian payment systems is a strong advantage
- Demonstrated ability to manage multi-workstream licensing programmes
- Experience working directly with regulators
- Strong commercial and project management skills
- Experience in fintech, payments, e-money, cards, or stablecoins is strongly preferred
Nium Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Nium and has not been reviewed or approved by Nium.
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Fair & Transparent Compensation — Pay is considered market-competitive in certain tech and sales roles and higher‑paying geographies, with upside evident for specific functions and seniority. Signals of strong totals in U.S. engineering/product and top‑end sales support a generally favorable footing.
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Healthcare Strength — Company materials and external listings describe comprehensive health coverage and 24×7 assistance support aligned with a modern fintech package. These elements are positioned as core parts of the global offering.
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Leave & Time Off Breadth — Generous parental leave, standard PTO, and a company‑wide year‑end shutdown expand time‑off support beyond basics. Public career materials and job ads consistently reference these components.
Nium Insights
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.
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