Safeguarding operations
- Perform daily safeguarding reconciliations (customer vs. safeguarding accounts) and investigate breaks promptly.
- Maintain documentation, evidence logs, and audit trails to ensure regulatory inspection readiness at all times.
- Support execution of asset segregation, ensuring safeguarding funds remain compliant with FCA, MFSA, MAS, and EU rules.
- Assist in maintaining and updating safeguarding SOPs and internal controls.
- Coordinate with Compliance and Legal to ensure correct interpretation and implementation of safeguarding rules.
Cash & Liquidity Management
- Monitor daily cash positions across currencies, accounts, and payment corridors.
- Support preparation of short-term liquidity forecasts and highlight variances or emerging funding needs.
- Assist in allocation of cash across safeguarded assets to optimise overall interest income returns.
- Maintain dashboards and trackers for liquidity, balances, and intra-day flows.
Treasury Operations
- Execute daily/weekly treasury processes, including funding transfers, settlement checks, and reconciliations.
- Support operational relationship management with banking partners (e.g., onboarding documents, KYC refreshes, account setup).
- Help maintain treasury SOPs and ensure strong internal controls across all treasury tasks.
- Work with the Director to identify automation or system improvements that reduce manual processes or operational risk.
Reporting & Governance
- Prepare routine reports on safeguarding positions, cash balances, reconciliation status, and liquidity metrics.
- Support preparation of Board or Committee documents related to cash and safeguarding health.
- Provide data and documentation for external audits, regulatory reporting, and internal assurance reviews.
- Maintain complete and accurate records aligned with NIUM’s treasury governance standards.
Requirements
- 7+ years in Treasury, Finance, Operations, or Risk within a payments company, EMI, fintech, or financial institution.
- Strong understanding of reconciliations, cash operations, liquidity concepts, or regulatory controls.
- Exposure to safeguarding frameworks or regulated money flows is a plus (not mandatory).
- Experience preparing operational or regulatory reports preferred.
- Strong Excel and analytical skills; familiarity with treasury tools or ERP modules is beneficial.
- Highly organised with a strong documentation and controls mindset.
- Ability to manage multiple priorities with accuracy and attention to detail.
- Clear communicator, comfortable working cross-functionally and escalating issues when needed.
- Self-motivated and able to work autonomously within a structured framework.
What success looks like
- Daily safeguarding reconciliations executed with zero errors and timely break resolution.
- Treasury Director fully supported with accurate data, documentation, and process ownership.
- Cash and liquidity positions monitored reliably with improved visibility across corridors.
- Strong operational hygiene: clean audits, complete records, and adherence to SOPs.
- High trust and collaboration with Compliance, Finance, Product, and Operations stakeholders.
Top Skills
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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