Compliance Senior Manager

Job Description

At Wise, we believe the teams closest to risk should own the controls and monitoring that keep our products compliant. Strong second-line Compliance oversight helps make that monitoring sharper, more consistent, and more effective. We are looking for a Senior Regulatory Compliance Manager to join the North America Compliance team and lead 2LOD oversight of regulatory compliance monitoring. This role will focus on building a scalable, data-led, AI-enabled monitoring oversight framework in partnership with 1LOD teams, Product Compliance, Risk, Operations, and the Analytics team.

• Lead the development of Wise’s North America regulatory monitoring oversight framework, aligned with global methodology, CMS expectations, and regulatory priorities.
• Define standards for effective 1LOD-owned monitoring, including coverage expectations, data requirements, thresholds, escalation triggers, documentation, evidence retention, and issue handoff.
• Partner closely with Analytics and 1LOD teams to design recurring monitoring workflows, dashboards, alerts, exception reports, AI-assisted reviews, and analytics routines.
• Oversee monitoring coverage across key NorthAm regulatory obligations, including Regulation E, UDAAP, E-SIGN, BSA/AML/FinCrime, state Money Transmission License requirements, MSB obligations, Reg W, complaints, disclosures, customer communications, operational processes, and remediation commitments.
• Challenge whether 1LOD monitoring is appropriately designed, consistently executed, sufficiently documented, and responsive to emerging risks.
• Where needed, build or co-build interim monitoring workflows with Analytics, including clear documentation, ownership mapping, training, maintenance expectations, and transition plans for 1LOD handoff.
• Translate regulatory obligations, examination findings, audit/testing results, incidents, complaints, product changes, and remediation commitments into practical monitoring indicators and oversight routines.
• Review monitoring outputs to identify themes, exceptions, control weaknesses, customer harm patterns, production issues, and emerging regulatory risks.
• Ensure monitoring exceptions are investigated, escalated, tracked, and remediated through appropriate governance channels.
• Produce clear reporting for Compliance leadership, committees, board-level materials, and regulatory examination readiness.
• Help define how Wise uses AI and automation responsibly within compliance monitoring, including appropriate governance, QA, human review, and documentation.

Qualifications

• 7+ years of experience in compliance monitoring, compliance risk management, control oversight, audit analytics, operational risk, regulatory compliance, financial crimes monitoring, or related financial services roles.
• Strong understanding of US consumer protection and financial services regulations, including Reg E, UDAAP, E-Sign, BSA/AML/FinCrime, state Money Transmission/MSB requirements, and related regulatory expectations.
• Proven ability to build or enhance monitoring programs, oversight frameworks, KRI routines, dashboards, exception management processes, control monitoring, or compliance analytics.
• Strong analytics fluency. You do not need to be a data scientist, but you should be able to frame monitoring questions, interpret data, challenge data quality, partner with analytics teams, and turn trends into regulatory judgment.
• Experience partnering with technology, analytics, product, operations, or engineering teams to turn risk questions into repeatable workflows.
• Comfort with AI, automation, or workflow tooling, including appropriate governance, documentation, QA, and human review.
• Strong executive communication skills, with the ability to turn complex regulatory and data-driven insights into clear, practical narratives.
• Licensed to work in the US.

Nice to haves

• J.D., CRCM, CAMS, MBA, analytics certification, AI certification, or similar credential.
• Experience with SQL, Snowflake, Lightdash, Looker, Tableau, Power BI, Jira, Confluence, GitHub, AuditBoard/Optro, Archer, or similar tools.
• Experience designing AI-assisted monitoring, alerting, surveillance, issue detection, compliance review, or exception management workflows.
• Prior experience at a payments company, neobank, MSB, or high-growth fintech.
• Financial crimes monitoring experience, especially involving analytics, typologies, alerting, governance, or cross-regional monitoring frameworks.
• Familiarity with formal Compliance Management System frameworks.
• Canadian regulatory knowledge: FINTRAC requirements, provincial MSB licensing
• Experience managing or mentoring junior compliance staff
• Former regulator, audit, regulatory remediation, or supervisory exam experience.

A bit about you:

• You see monitoring as an early-warning system, not a reporting exercise.
• You are a builder, but you understand that durable monitoring must ultimately sit with the teams closest to the risk. You can build, document, train, transition, and then provide effective oversight.
• You are data-curious and hands-on. You are comfortable working with analytics partners, exploring data, shaping dashboards, reviewing exceptions, and asking sharper questions when the numbers do not make sense.
• You understand that AI can make compliance monitoring stronger, but only if it is governed, documented, reviewed, and tied to real regulatory judgment.
• You care about customer outcomes and can connect operational signals to potential regulatory risk.
• You are credible with senior stakeholders, practical with product and operations teams, and willing to challenge when the evidence points to a problem.
• You bring ownership, integrity, intellectual curiosity, good humor under pressure, and a strong instinct for what a modern compliance function should become.
• Some travel to NYC, and potentially London for global compliance collaboration, may be required.