Regulatory Compliance Testing Manager, North America

We need to output HTML fragment with sections: About the role? Actually the posting includes Company Description, Job Description, Qualifications, Nice To Haves, A Bit About You, Additional Information. We need to use headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. However we should only include sections when posting has real specific content. The posting does not have explicit Benefits, Pay, Schedule. So we should not include those headings. We need to map content to appropriate headings: "About the role" could be company description and mission? "Responsibilities" could be "What You'll Be Doing". "Requirements" could be Qualifications. "Skills" could be Nice To Haves? Or maybe "Skills" for technical skills. "Qualifications" is already a heading. The instruction says use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can choose which to include based on content. We have: - Company Description: could go under About the role (or maybe a brief intro). We'll put About the role containing company description and mission. - Responsibilities: "What You'll Be Doing" section. - Requirements: Qualifications section. - Skills: Nice To Haves (tools, certifications) maybe also "A Bit About You" could be Skills? But "A Bit About You" is more about personal attributes; could be part of Skills or maybe we could add a separate section like "Attributes" but not in list. We could incorporate into Skills or maybe not create a separate heading if not matching. The instruction: prefer a few substantive sections over many thin ones. So we could combine Nice To Haves and A Bit About You into Skills section? But Skills heading expects skills like tools, certifications. A Bit About You is more about personal traits. Could be part of Skills as well (soft skills). We'll include Skills covering Nice To Haves (tools, certifications) and A Bit About You (personal attributes). Or we could have separate sections: Skills and maybe "Attributes" but not allowed headings. So we will put Skills. - Benefits, Pay, Schedule: not present, so omit. We must preserve all substantive information, not invent or summarize away detail. Must not include boilerplate like EEO, legal, etc. The posting includes some boilerplate at end: "Additional Information For everyone, everywhere..." that's about diversity etc. That's not boilerplate? It's about inclusive teams. Might be considered boilerplate but it's part of posting. The instruction: Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The diversity statement could be considered EEO? It's about inclusive teams, but it's not exactly EEO statement. Might be okay to keep? It's not application instructions. It's about culture. Might be considered part of Additional Information. We could keep it under Additional Information but we are not including that heading. Could we incorporate into About the role? It's about company values. Could be part of About the role. But we need to preserve all substantive information. If we omit it, we lose that info. So we need to include it somewhere. Perhaps we can include a short paragraph under About the role after company description. Thus About the role will contain company description, mission, and the diversity/inclusion statement. Now we need to format with

for each section heading, then content:

for prose,

• for lists. We need to extract lists: Under Responsibilities (What You'll Be Doing) there are many bullet-like sentences starting with verbs. They are not explicitly bullet list but each line is a duty. We should turn them into
  • . Similarly Qualifications is a list of bullet points. Nice To Haves also list. A Bit About You also list of bullet points (starting with "You ask..." etc). Additional Information (diversity) is prose. We must preserve all substantive information; do not invent or summarize away detail. So we need to capture each bullet exactly as in text. Let's extract sections. Company Description paragraph: "Company Description Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere." We'll keep that. Job Description intro: "More about our mission and what we offer. We’re looking for a Regulatory Compliance Testing Manager to join our North America Compliance Monitoring and Testing team." This could be part of About the role as well. But we already have About the role; we can include that sentence. Now Responsibilities: "What You’ll Be Doing" list: - Plan and execute risk-based regulatory testing and remediation-validation reviews from scope through final report. - Translate regulatory obligations and customer-outcome risks into precise control questions, populations, evidence requirements, test procedures, and failure criteria. - Test both control design and operating effectiveness, including whether controls work consistently in production and whether customer remediation is complete and reproducible. - Define and reconcile complete testing populations before sampling; use data and analytics to stratify risk, identify exceptions, and support defensible conclusions. - Review end-to-end processes that cross Product, Operations, technology, data, partner, and legal-entity boundaries. - Assess U.S. consumer-protection and payments requirements, including areas such as Regulation E, UDAAP/UDAP, E-SIGN, complaints, disclosures, customer communications, scams and restrictions, and state money-transmission obligations. - Evaluate state prudential and customer-funds controls where relevant, including safeguarding, permissible investments, liability-to-asset reconciliation, shortfalls, and selected regulatory-reporting evidence. - Write clear workpapers, issues, remediation-validation conclusions, and management reports that distinguish evidence, regulatory judgment, customer impact, and inference. - Challenge control owners and senior stakeholders constructively, agree practical corrective actions, and preserve independent second-line judgment. - Use Internal Audit, Group, first-line, or external-review evidence thoughtfully, relying only where the entity, population, period, procedure, result, and retained evidence support the specific assurance objective. - Support regulatory examinations, audits, partner due diligence, risk assessments, and governance reporting with accurate, well-organized testing evidence when needed. - Contribute to the continued development of NorthAm CMT methodology, templates, data use, quality standards, and reporting. We'll make each a
  • . Qualifications list: - You have substantial hands-on experience in compliance testing, internal audit, regulatory assurance, remediation validation, or a closely related independent-review role within financial services, payments, banking, an MSB, fintech, or a relevant consultancy. - You have strong working knowledge of U.S. consumer-protection and payments requirements and meaningful depth in several of Regulation E, UDAAP/UDAP, E-SIGN, complaints, disclosures, customer communications, state money-transmission, or safeguarding/prudential topics. - You can independently turn a broad risk into a bounded, defensible review with a clear objective, population, evidence plan, methodology, and conclusion. - You are comfortable working with data. You do not need to be a data scientist, but you can frame the right questions, challenge lineage and quality, reconcile populations, interpret exceptions, and partner effectively with analysts. - You distinguish documentation from implementation, implementation from operating effectiveness, and a clean test result from complete remediation closure. - You write clearly and concisely and can explain complex testing results to senior leaders and cross-functional teams. - You can challenge with evidence, stay practical, and build trust without becoming the owner of the controls you assess. - You care about customer outcomes and are curious about how systems and processes actually behave in production. - You are comfortable operating in a changing environment and can manage several dependencies without losing rigor or momentum. - You are legally authorized to work in the United States, subject to the work-authorization and visa language confirmed for the requisition. Nice To Haves list: - Experience at a payments company, neobank, bank, MSB, remittance provider, platform/embedded-finance business, or high-growth fintech. - Experience with state money-transmitter licensing, NMLS, regulatory reporting, safeguarding, permissible investments, outstanding transmission liabilities, net-worth, surety, or other prudential obligations. - Experience testing partner or third-party handoffs, bank-partner models, customer-remedy processes, disclosures, electronic consent, complaints, scams, restrictions, or funds access. - Experience with regulatory exams, consent orders, MRAs/MRIAs, audit findings, issue validation, or significant remediation programs. - Experience with SQL, Snowflake, Lightdash, Looker, Tableau, Power BI, Excel, Jira, Confluence, GitHub, AuditBoard/Optro, Archer, or comparable analytics and workflow tools. - J.D., CRCM, CPA, CIA, CISA, CAMS, or a comparable qualification. - We value demonstrated judgment and experience over any single credential. A Bit About You list: - You ask what population and customer outcome a control is meant to protect before you ask how many samples to select. - You follow evidence across systems and team boundaries and do not stop at a policy, attestation, or dashboard when production proof is available. - You are precise about the boundary of your conclusion and transparent about what the review did not test. - You enjoy solving difficult problems with people from different disciplines and can turn challenge into practical improvement. - You bring ownership, integrity, curiosity, resilience, and good judgment under pressure. - Some travel to NYC, and potentially London for global compliance collaboration, may be required. Additional Information (diversity) paragraph: "For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit Wise.Jobs. Keep up to date with life at Wise by following us on LinkedIn and Instagram." We need to remove application instructions? The last sentences about visiting Wise.Jobs and following on LinkedIn/Instagram could be considered application instructions? It's more about staying updated. Might be considered boilerplate? The instruction: Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The lines about visiting Wise.Jobs and following on social media could be considered application instructions? Not exactly applying, but it's more about staying updated. Might be considered promotional. Safer to remove? The instruction says remove application instructions. Those lines are not instructions to apply, but they are about learning more. Might be considered extra. I'd keep the diversity statement but maybe drop the last two sentences about visiting Wise.Jobs and following on LinkedIn/Instagram as they are not core job info. However they are part of Additional Information. The instruction says preserve ALL substantive information; do NOT invent or summarize away detail. Are those sentences substantive? They are about where to find more info; could be considered not essential to the job. Might be considered boilerplate. I'd lean to remove them as they are akin to "visit our website" which is typical boilerplate. The instruction says remove application instructions; these are not exactly application but similar. I'd remove them to be safe. Thus Additional Information paragraph will be the diversity statement only: "For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers."