Senior Analyst - Regulatory Reporting
Nium · Bangalore, India · 1mo ago
SeniorHybridRisk & Compliance
Nium, the Leader in Real-Time Global Payments
Nium, the leading global infrastructure for 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 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 40 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 Role:
Join our Risk & Compliance team as a Data Engineer supporting Regulatory Reporting and Portfolio Intelligence initiatives. You will work closely with Country Compliance, Money Laundering Reporting Officers (MLROs), Risk, and Product teams to build the data infrastructure that powers regulatory compliance, reporting, and portfolio management across Nium's global operations.
This is a technical role with a strong regulatory edge - you'll not only architect and implement scalable data pipelines and connectors, but also help translate complex regulatory requirements into actionable data solutions. You'll be a bridge between compliance/risk domain expertise and technical data engineering, ensuring our regulatory data is accurate, auditable, and readily available for both internal decision-making and regulatory submissions.
Key aspects of the role:
- Design and build scalable, maintainable data pipelines for regulatory and compliance data
- Develop and maintain XML and REST API connectors to ingest data from banking partners, regulatory bodies, and internal systems
- Implement bit request processing for real-time transaction data integration and portfolio updates
- Interpret regulatory requirements (transaction reporting, sanctions screening, KYC/AML, portfolio limits) and translate them into data models and processing logic
- Work directly with Country Compliance, MLRO, Risk, and Product teams to understand data needs and operationalize compliance rules
- Ensure all data flows are auditable, traceable, and compliant with regulatory standards and internal policies
Key Responsibilities:
- Build and optimize scalable, maintainable, and high-performance data pipelines for regulatory data ingestion, transformation, and delivery.
- Develop XML and REST API connectors to integrate data from banking partners, regulatory feeds, internal systems, and risk/compliance platforms.
- Implement bit request handlers to support real-time transaction and portfolio data updates for risk monitoring and regulatory reporting.
- Work with Compliance, MLRO, and Risk teams to understand regulatory filing and reporting requirements, then design data models and transformations to support them.
- Interpret regulatory requirements (sanctions lists, transaction thresholds, portfolio limits, reporting deadlines) and encode them into data logic and quality checks.
- Design and maintain efficient data models in cloud data warehousing solutions (e.g., Redshift) optimized for regulatory reporting, audit trail queries, and risk analytics.
- Write complex SQL queries and transformations to prepare data for compliance analysis, regulatory submissions, and audit trails.
- Ingest and transform both structured (databases, APIs) and semi-structured (XML, JSON) data at scale from diverse compliance and risk sources.
- Establish robust data quality checks, monitoring, and alerting mechanisms to ensure data integrity for regulatory compliance and risk control effectiveness.
- Support cloud migration initiatives and modernize legacy data pipelines (e.g., on premises to AWS).
- Document data pipelines, connectors, and technical architecture for auditability, regulatory inspection readiness, and cross-team knowledge sharing.
- Collaborate with Country Compliance, MLRO, Risk, Product, and Data teams to operationalize compliance rules and regulatory logic into scalable systems.
- Evaluate effectiveness of data controls, monitoring, and quality checks using testing and validation (e.g., completeness checks, SLA validation, rule effectiveness).
Requirements:
- 3-5 years of professional experience in Data Engineering, ETL/ELT pipeline development, or systems integration
- Strong SQL expertise including query optimization, complex transformations, and data modelling.
- Solid proficiency in Python (or similar language) for writing data pipelines, scripts, and data processing logic.
- Hands-on experience designing and developing API connectors (REST, SOAP) and working with XML/JSON data formats.
- Experience with cloud data platforms (AWS Redshift, Snowflake, Google Big Query, or similar) and cloud storage (S3, GCS, etc.)
- Familiarity with data orchestration tools (Apache Airflow, Prefect, or equivalent) for workflow automation.
- Understanding of data modelling concepts and ability to design efficient schemas for analytical and operational workloads.
- Experience with real-time or near-real-time data processing (Kafka, streaming pipelines) is a plus.
- Knowledge of data quality frameworks and testing practices for data pipelines.
- Strong problem-solving skills and ability to debug complex data integration issues.
- Collaborative mindset with ability to work across technical and non-technical stakeholders.
- Familiarity with regulatory reporting requirements (e.g., transaction reporting, sanctions screening, KYC/AML, portfolio monitoring) is highly valuable.
- Ability to learn and interpret regulatory documentation and translate compliance/risk requirements into technical specifications.
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.
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.