Compliance Senior Manager

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

Senior Regulatory Compliance Manager

We’re looking for a Senior Regulatory Compliance Manager to join our growing North America Regulatory Oversight Compliance team. In this role, you’ll be a key partner in managing our regulatory and financial crime obligations, particularly as they relate to our U.S. bank partners and state/federal regulators.

You’ll work closely with cross-functional teams and lead our efforts in managing regulatory and financial crime exams, audits, and partner due diligence, helping ensure Wise remains compliant as we scale. You’ll also help shape and evolve our second-line compliance framework, providing critical insights to product, operations, and leadership teams, and helping embed compliance into everything we do.

If you're passionate about building systems that make compliance smart, scalable, and transparent—and you’re excited to work at the intersection of tech and financial services regulation—we’d love to hear from you.

Your mission: 

As a Senior Regulatory Compliance Manager, you'll play a pivotal role in ensuring Wise's adherence to regulatory requirements, particularly those supporting our  regulatory examinations, audits, and partner RFIs.  Your responsibilities will include:

• Regulatory Advisory: Provide expert guidance on state and federal laws and regulations, including money transmission and consumer protection, such asRegulation E, UDAAP, and the E-Sign Act.​

• Audit & Examination Management: Lead the preparation and management of all regulatory and financial crime examinations and audits, ensuring timely and accurate responses, and coordinate post-exam management responses.​ This role would be the first point of contact for any internal/external audit and exam requests. 

• Compliance Framework Development: Support the development and maintenance of Wise's Regulatory Compliance oversight framework, including policies and procedures.​

• Third Party Risk Management: Lead the preparation and management of required reporting to bank partners and other partners in the US that require compliance support. 

• Stakeholder Collaboration: Work closely with operational, finance, product, and engineering teams to ensure compliance is integrated into business processes.

About you: 

• Previous Financial Regulation or Financial Crime advisory role or experience in a Compliance/Legal department, Risk and Controls function or in a consultancy environment;  

• Familiarity with tools such as Excel, Confluence, Jira, and Governance, Risk, and Compliance (GRC) platforms.

• Familiar with consumer compliance regulations including Reg E, UDAAP, E-Sign Act, U.S. PATRIOT and BSA/AML, and state money transmission license regulations

• Ability to analyze and interpret complex regulatory frameworks and apply them effectively;

• Ability to effectively communicate with Product Managers and Engineers and provide practical, actionable, and value added recommendations; 

• Strong presentation skills;

• Problem solving attitude, with the ability to use regulations together with data to drive business decisions; 

• Experience (or interest) in working in a fast-growing environment; 

• Willing to travel, as Wise offices are located across different countries; and

• Legally authorized to work in the U.S.

Some extra skills that would be great: 

• Experience working with international teams and understanding of global regulatory environments.

• J.D., Certified Regulatory Compliance Manager or similar qualification

• Prior experience working with the CFPB, OCC, and/or state regulator (e.g. NYDFS, DFPI)

We’re people without borders — without judgment or prejudice, too. We want to work with the best people, no matter their background. So if you’re passionate about learning new things and keen to join our mission, you’ll fit right in.

Also, qualifications aren’t that important to us. If you’ve got great experience, and you’re grea