Senior Product Compliance Manager

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 is responsible for ensuring 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 payment and/or cross‑border payments and possess proven experience in evaluating and implementing applicable controls.

This is a unique opportunity to directly impact Wise’s mission, whilst developing your skills in a fast‑paced environment. You will cut through complexity to make high‑stakes decisions, build momentum across multiple teams, and coach others to deliver exceptional results.

• Collaborate with product managers and engineers to develop new products and features for North America, ensuring a thorough risk assessment that reviews and addresses all regulatory compliance risks prior to launch.
• Possess strong working knowledge of state money transmission licensing requirements related to Permissible Investments and Regulatory Reporting, as well as 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 the results to relevant regional and global Risk Committees.
• Develop and enhance Key Risk Indicators to provide senior management with a snapshot of the health of the Regulatory Compliance Program.

• Minimum 5‑7 years of experience in regulatory compliance, with a particular 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.
• A problem‑solver who uses regulations and data to drive business decisions.
• Experience working across cross‑border payments, with specific experience in the US and Canadian markets.
• Strong data analytics skills, used to develop and inform Key Risk Indicators that articulate the health of the consumer compliance program.
• Willingness to travel to Wise offices located across different countries.
• Legally authorized to work in the US.