Senior Product Compliance & Risk Manager - Credit

Your mission is to design the Product Risk and Compliance Program for Wise to offer Credit Cards across our licenses around the world. This is a first line of defence hands-on role, embedded in the Global Spend team. You will be owning projects, collaborating on and making decisions in the following areas:

Regulatory

• Stay ahead of issuing compliance, schemes and regulatory trends
• Translate and implement regulatory requirements for Product and Engineering Teams to seamlessly execute on
• Identify when local regulatory requirements can be executed by leveraging existing global controls and when unique requirements need prioritisation

Risk and controls

• Help drive the launch of new products and services by implementing controls in a customer-oriented way whilst at the same time, adhering to regulatory requirements.
• Challenge any assumption that is not a correct reflection of the Wise’s program and coordinate evidencing controls as necessary
• Define the Global Regulatory and Compliance Risk metrics for the Credit products globally, supporting local teams to regionalise global KRIs
• Coordinate prioritisation and efforts on issues, ensuring any necessary remediation is timely executed
• Identify and drive enhancements that could improve our customer experience, unlock growth and improve our operational processes.

Reporting and external engagement

• Report on the health of the Credit Card program in front of internal and external stakeholders
• Lead Credit Card Regulatory, Fincrime and Risk discussions and forums
• Take part in industry associations initiatives

Qualifications

• You have a 8 years experience working in Compliance, ideally worked at Financial or Payments Institutions, Card Schemes or Law or Consultancy Firms
• You have been advising and solving regulatory challenges on card schemes or other issuing solutions (i.e. Debit cards, local schemes, etc) for at least 5 years
• Your experience spans across more than one area of compliance: fraud and financial crime risks, consumer protection, segregation of funds, regulatory issuing regimes and more
• You are a natural owner that drives and delivers projects from inception to completion and can go into the details of each and every problem within their domain space
• You are an engaging communicator, willing to collaborate with different audiences (i.e. from Regulators to engineers)
• You are analytical, use data to make decisions and challenge assumptions
• You have experience (or desire) in working in a fast-growing environment and apply your previous industry experience in a new paradigm that reflects how Wise works
• Willingness to travel occasionally to our offices globally.