Senior Product Compliance Manager

Wise is a global technology company building the best way to move and manage the world’s money. With minimal fees and maximum ease, Wise is on a mission to make international money movement faster, cheaper, and more transparent for everyone, everywhere.

About the role

We are seeking a highly experienced and hands-on Senior Product Compliance and Risk Manager to support a rapidly expanding product in North America. This role ensures Wise’s US and Canada Regulatory Compliance program is best-in-class, meeting all regulatory obligations, effectively managing regulatory compliance risk, and scaling to enable continued growth. The ideal candidate will be an expert in payments and/or cross-border payments with proven experience evaluating and implementing applicable controls. This is a unique opportunity to directly impact Wise’s mission while developing your skills in a fast-paced environment.

Responsibilities

• Collaborate with product managers and engineers to develop new products and features for North America, ensuring effective risk assessment and thorough review of all regulatory compliance risks prior to launch.
• Apply expertise in either state money transmission licensing requirements (Permissible Investments, Regulatory Reporting) or consumer compliance regulations (e.g., Regulation E, UDAAP, California Consumer Protection Act), privacy (GLBA), and applicable state privacy and consumer protection regulations.
• Fully implement and manage a bank partner engagement program, developing key metrics to communicate the health and effectiveness of the Consumer Compliance Program.
• Support the closure of regulatory compliance issues by building new controls or enhancing existing ones.
• Proactively identify ways to improve controls, reduce unnecessary customer friction, and enable continued growth.
• Execute quarterly regulatory compliance risk assessments and present results to relevant regional and global Risk Committees.
• Develop and enhance Key Risk Indicators (KRIs) to provide senior management with a snapshot of the health of the Regulatory Compliance Program.

Qualifications

• Minimum 5-7 years of experience in regulatory compliance, with a focus on implementing and enhancing controls.
• Experience collaborating with product and engineering teams to develop regulatory compliance controls that consider the customer’s journey.
• Strong ability to analyze and interpret complex regulatory frameworks and explain them clearly to stakeholders.
• Problem-solver who uses regulations and data to drive business decisions.
• Experience working across cross-border payments, specifically in the US and Canadian markets.
• Strong data analytics skills used to develop or inform Key Risk Indicators for consumer compliance programs.
• Willingness to travel to Wise offices located across different countries.
• Legally authorized to work in the US.