Regulatory Governance Manager - Payments Infrastructure

About the role

The hire will analyse, document, and maintain end-to-end funds flows across Payoneer's licensed entities, products, and banking partners to ensure clarity, accuracy, and regulator-readiness. They will own the documentation and ongoing maintenance of the global funds flow framework, including safeguarding models, legal ownership of funds, and intercompany funding and settlement structures. This role operates in close partnership with Product, Treasury, Legal, Compliance, and Operations to ensure that new products, rails, and structural changes are fully understood, documented, and aligned with regulatory expectations. The position provides a single, authoritative view of how funds move across the organization, supporting confident engagement with regulators, auditors, banking partners, and senior leadership. The hire will act as a subject matter expert for funds flow design and documentation, applying a strong regulatory, audit, and risk-aware mindset to all deliverables. This role is not a one-time mapping exercise but an ongoing responsibility to keep funds flows current, consistent, and defensible as new rails, partners, and regulatory requirements emerge. The position reports to the Head of Bank Network, South Asia and plays a critical role in enabling Payoneer's global licensing strategy, regulatory change initiatives, and product expansion.

Key facts

What you'll do

Analyse, document, and maintain end-to-end funds flows across licensed entities, products, and banking partners, using clear diagrams and supporting narratives.

Clearly articulate legal ownership of funds, the responsible regulated entity at each stage, applicable safeguarding or client money treatment, and key risk and control points.

Support new license applications, regulatory change notifications, supervisory reviews, audits, and bank due diligence discussions with clear, consistent, and regulator-ready documentation.

Work cross-functionally with Product, Treasury, Legal, Compliance, and Operations to assess and document new products, material changes, and enhancements to existing flows.

Document and support intercompany funding, settlement, and liquidity models, ensuring alignment with contractual arrangements and regulatory expectations.

Contribute to Board-level, regulatory, audit, and banking partner evidence packs by providing clear and structured funds flow materials.

Act as a subject matter expert for funds flow design and documentation, applying a strong regulatory, audit, and risk-aware mindset.

Demonstrate meticulous attention to detail and the ability to manage multiple priorities in a fast-paced, dynamic environment.

Leverage existing frameworks and tools to update and standardize documentation while improving clarity and usability for both technical and non-technical audiences.

Collaborate with stakeholders to identify gaps in documentation and drive remediation actions to ensure ongoing compliance and transparency.

Serve as the central point of contact for internal and external parties seeking clarity on funds movement, ownership, and regulatory alignment.

Promote best practices in documentation, version control, and knowledge sharing to strengthen the overall governance of funds flows.

Support the continuous improvement of the global funds flow framework to accommodate new products, rails, and evolving regulatory landscapes.

Contribute to risk assessments and control evaluations by providing accurate and timely documentation that highlights potential gaps or areas of concern.

Champion the use of consistent terminology, visual standards, and narrative explanations to ensure that funds flow documentation is accessible and defensible.

Requirements

3-7 years' experience in consulting, payments, fintech, banking, or other regulated financial services environments.

Strong understanding of end-to-end funds flows, safeguarding and/or client money concepts, and complex cross-border payment services.

Proven ability to translate complex, evolving operational and technical processes into clear written and visual documentation suitable for regulators and auditors.

Experience supporting licensing activities, regulatory change projects, or supervisory interactions; familiarity with EMI, AFSL, MAS, PSD2 or similar regulatory regimes is a strong advantage.

Experience documenting intercompany structures, funding models, and settlement processes within a regulated financial services context.

Strong attention to detail, excellent written communication skills, and the ability to manage multiple priorities in a fast-paced, dynamic environment.

Ability to work effectively with stakeholders at all levels, including senior leadership, legal, compliance, and external partners.

Proficiency in using documentation tools, diagramming software, and Microsoft Office suite to produce clear, accurate, and professional materials.