Paul So

Worked as Senior Manager, Regulatory Compliance at Nium.

A Payward Company
Deputy MLRO & Regulatory Liaison
▸ Serve as Deputy Money Laundering Reporting Officer (MLRO) and principal regulatory liaison with regulators and law enforcement agencies.
▸ Manage strategic engagement on AML/CFT matters, licensing inquiries, compliance program oversight, and regulatory examinations
Enterprise-Wide Financial Crime Compliance
▸ Lead financial crime compliance prog

Direct Report to Group Head of Legal and Compliance/ General Consouel

- Process owner of CDD and Fiat and Crypto AML monitoring.
- Team leader of Reap Due Diligence Team
- Implementation of various internal compliance tools (IDv, TMs, KYT, KYC database).
- Owner of On-chain transaction monitoring tools and process, lead investigator for on-chain financial crime cases.
- STR filling, main liaison

Direct Report to Global Head of Legal and General Consouel

- Team lead of CDD and AML team.
- Owner of License renewal (TCSP), respond to regulator's enquiries.
- Conduct Group Compliance Risk Assessment and Anti-Fraud Assessment.
- Process owner of Hex Trust CDD and fiat and crypto AML monitoring
- STR filling, main liaison to law enforcement worldwide for Hex Trust Limited

Achievements: Set u

ASX:OFX
- Hong Kong Client Due Diligence Team Lead
- Function leader for Consumer Onboarding and Initial Screening(PEP, Sanction, Adverse Media)

Major Tasks:
- Corporate CDD(AU, NZ, SG and HK). Companies, Trusts, Partnerships, Associations, Charities, Government Entities, Managed Funds and offshore entities.
- Enhanced Customer Due Diligence (ECDD) second approver.
-Fraud and screening
- Paymen

Acting Compliance Officer (CO) MSO License, Hong Kong and Singapore. 6months secondment contract.
- MSO License renewal.

NASDAQ:PAYO
- Hire, lead, develop and manage a KYC team. (team of 10)
- QA, Measure and manage team KPIs and capacity.
- Handle escalations with strong customer empathy as well as compliance with AML policies.
- Act as the point of contact of the KYC Department for Payoneer APAC headquarter (HK Office).

Achievement: The HK Team has been the top-performing team globally in terms of CDD team KPIs t

NASDAQ:PAYO
- Review onboarding applications of individuals and corporate clients.
- Work closely with the Fraud, Customer Care and other operations teams.
Achievement: Top individual contributor in terms of KPI among the global CDD team.

Exchange programme

Program Highlight of ISEM:
-Business System Analysis and Design
-Data Management in Business (SQL)
-Big Data Analytics
-Electronic Commerce

Apr 2026 · Expires Oct 2027

Feb 2025 · Expires Feb 2027

Sep 2022

Oct 2020

Dec 2021

Sep 2021

Jul 2021

Aug 2020

Oct 2019