Compliance Senior Manager

About the role

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 North America 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.

Responsibilities

• 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 North America 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.