Product Compliance and Risk Lead - FinCrime; Europe

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.

We are looking for a candidate with Belgian and/or European experience in tackling Financial Crime risks, eager to bring their expertise to a dynamic fintech environment. This is a senior and highly influential role, essential for maintaining our growth, and trust with regulators.

This is an exciting, hands‑on role working directly with product managers, analysts, and engineers to take our European financial crime program to the next level.

This role sits within Wise’ Regional EU Product Compliance and Risk team, part of the wider (1

LoD) Product organisation.

Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard‑earned money with the World’s first platform to offer true international multi‑currency accounts.

Your mission is to lead the EU Fin Crime Product Compliance and Risk team to scale and enhance how Wise manages, monitors, and identifies improvements for the AML/CTF risk profile of its licensed entities and branches in Europe, while maintaining a customer‑centric approach.

Here’s how you’ll be contributing to the EU Product Compliance and Risk team, in the first line:

• Lead the EU Fin Crime Product Compliance and Risk Team setting priorities and ensuring alignment across key stakeholders (Global and Regional Product and Product Compliance Teams, EU Compliance Oversight team, and Leadership)
• Oversee and steer solution design and implementation for identified Fin Crime problem areas, or improvement opportunities.
• Ensure Fin Crime issues are correctly prioritized, resolved, and followed up on until closure.
• Provide advice to product teams to guide them effectively design resolving issues and developing new features.

• Steer the development of the 1
  
  LoD Fin Crime Risk Monitoring Framework for Wise Europe. Tailored to Wise’s products, customer segments, and EEA market presence.
• Oversee and initiate root cause analyses on risk and efficiency trends, and recommend control or efficiency improvements, ensuring their implementation.

• Present monitoring outcomes and updates to relevant committees on both Wise EU and group level, including executive management, the regulator, and the Board, as appropriate.
• Represent Wise and address queries from third parties (such as regulators or banking partners) regarding Wise’s Fin Crime framework, ensuring high‑quality responses.
• Tracking Fin Crime activities at the Wise group level, such as AML/CTF control developments, and ensuring their appropriateness for the EU licenses.

• Steer the growth and professional capabilities of the Fin Crime Product Compliance teams across Europe.
• Embed Fin Crime compliance directly into the product development lifecycle, ensuring risk management is central to our fast‑moving innovation.
• Be fully empowered to identify Fin Crime challenges, drive root cause analysis, and lead the solution design and implementation end‑to‑end.

• Strong knowledge of Belgian and/or European AML/CTF regulations (AMLD, EBA Guidelines) and NBB guidance.
• Experience in collaborating Product Managers, Engineers, and Operational teams, providing practical recommendations.
• Excellent communication, project coordination, and management skills.
• Ability to think qualitatively and draw conclusions by leveraging data.
• Problem‑solving mindset, with experience (or strong interest) in working in a fast‑paced, growing environment and directly with product teams.
• Willingness to travel, as Wise offices are located across multiple…