Role details
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.
- More about our mission and what we offer .
Job Description
- Our Product Compliance & Risk ("PC&R") team sits at the centre of Wise's product development function, supporting our cross-functional teams in delivering exceptional financial products for our customers while ensuring they're compliant by design.
- We're seeking a highly motivated, customer-centric and proactive individual to join the Wise Global FinCrime PC&R team, to work across our Product and Compliance teams to take our AML programme to the next level.
- This individual will work closely with our Global AML product teams to ensure our controls strike the right balance for our customers and our compliance requirements; detecting and preventing financial crime while maintaining a great customer experience and scalable operations.
- This role works side-by-side with our Product teams in order to:
- Focus on new products and features to ensure that scalable and compliant MVPs can be brought quickly to market.
- Remediate issues identified with existing products and features to ensure that they remain compliant, scalable, and effective in detecting financial crime.
Your mission:
- Ownership of PC&R's approach to AML control design and risk detection strategy
- Collaborate with AML product teams to help design controls and support interpretation of global regulation and expectations to ensure Wise's in-house built AML capabilities are best in class
- Identify and drive enhancements that could improve risk detection quality, unlock growth, and improve operational processes (including reducing unnecessary contacts and friction)
- Use data to define the effectiveness of AML controls and support the implementation of an ongoing testing / assurance program
- Work with and support Product and Engineering teams to implement and prioritise control improvements to strengthen the programme while finding ways to create efficiencies (faster deployment, smarter automation, better triage)
- As improvements are identified in audits, regulatory feedback, incidents, or by third parties, define project plans and facilitate implementation end-to-end
- Perform periodic reviews to ensure controls remain compliant and effective, reviewing changing regulations, supervisory publications, and industry guidance, and translating that into product-ready requirements
- Contribute to the mapping and assessment of controls as part of the annual financial crime risk assessment, including coverage across typologies and regions
A bit about you
We are looking for someone passionate about payments, fintech and compliance risk management and with an eye on the future. You should have:
- Minimum 7 years' experience working within AML/financial crime, with a particular focus on implementing and enhancing AML controls (e.g., transaction monitoring, behaviour/risk detection, typology-based coverage, alerting/decisioning)
- CAMS, ICA or equivalent certification desirable
- Experience collaborating with product and engineering teams to develop AML and/or financial crime controls in an in-house product environment
- Experience in automation of financial crime controls, including reducing manual effort while maintaining/improving detection quality
- Strong data analytics skills (able to define what "good" looks like, interpret performance, and convert insights into control changes)
- Clear communication, project coordination, and management skills
- Wisdom, a world view and talent for thinking outside the box
- Professionalism and high integrity
- You understand the importance of providing clear rationales for teams and excel in doing so (especially where trade-offs exist between friction, cost, and risk)
- You anticipate roadblocks, are resilient and not easily disheartened
- Willingness to challenge teams and themselves on how to best serve our customers, while keeping processes robust and compliant
- Willingness to travel as required
Additional Information
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 .