Regulatory Governance Manager Payments Infrastructure

About Payoneer

Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role Summary

The Regulatory Governance Manager – Payments Infrastructure plays a critical role in enabling Payoneer’s global licensing strategy, regulatory change initiatives, and product expansion by ensuring that end‑to‑end funds movements are clearly documented, accurate, and regulator‑ready. The role provides a single, authoritative view of how funds move across licensed entities, products, banking partners, and corridors, supporting confident engagement with regulators, auditors, banking partners, and senior leadership.

This position owns the documentation and ongoing maintenance of Payoneer’s global funds flow framework, including safeguarding models, legal ownership of funds, and intercompany funding and settlement structures. The 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 Fund Flow Strategist role is not a one‑time mapping exercise. Payoneer supports over 100 currencies across approximately 190 payout markets, operates through more than 10 licensed entities, serves customers in 200 countries, and relies on a continuously evolving banking, partner, and regulatory infrastructure. Ongoing product launches and the expansion of stablecoin‑based settlement and funding models further increase the importance of having a central owner responsible for keeping funds flows current, consistent, and defensible as new rails, partners, and regulatory requirements emerge.

This role reports to the Head of Bank Network, South Asia

Location: Bengaluru (hybrid)

Employment type: Full‑time

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.
  
  

• 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.
• Highly detail‑oriented and structured, with the ability to operate effectively in regulated, high‑accountability environments.
• Comfortable leading initiatives independently and owning projects end‑to‑end, from initial analysis through to final delivery.
• Clear, confident communicator with the ability to engage effectively with senior stakeholders across multiple functions and geographies.
• Experience collaborating with AI models and tools