High Risk Assessment Specialist

As a High Risk Assessment Specialist, you will play a critical role in ensuring Wise's adherence to regulatory and compliance standards. You will be responsible for mitigating risks associated with high risk customers, while maintaining compliance with AML/CTF regulations and internal policies according to Wise's risk appetite. You'll have an advanced understanding of inherent risks tied with complex business structures, various customer types and activities, country-specific risks and their appropriate mitigating strategies. This role is a great opportunity for people who are interested in deepening their expertise in the KYC/AML domain.

What you'll do

• Be the expert others turn to – act as the escalation point for all complex compliance cases, assessing high-risk customers and applying sophisticated risk-based methodologies
• Conduct deep-dive investigations – perform Enhanced Due Diligence on complex business structures and high-risk customers, analyzing their business activities, compliance programs and controls to document thorough risk assessments
• Share your expertise – mentor and consult other compliance operations teams, acting as a subject matter expert on complex cases
• Make critical assessments – review and analyze AML, Sanctions, EDD, KYC, and Acceptable Use Policy documentation, comparing against Wise's policies and risk-based approach
• Protect Wise's reputation – assess customers' potential reputational and financial crime risk from Sanctions, PEP, and adverse media perspectives
• Drive innovation – develop new risk mitigation methods and improve our compliance framework and controls, working closely with Product and FinCrime teams
• Enable growth – communicate with internal and external stakeholders to facilitate scalable, compliant business onboarding
• Own quality – be accountable for quality assurance of the High Risk Assessment team, making decisions within our policy framework and evolving processes with compliance
• Influence leadership – report compliance concerns, operational incidents, and recommended actions to Financial Crime Oversight and senior management
• Build capability – support team leads on ad-hoc project work and participate in enhancing compliance management knowledge across the team
• Provide oversight – assist with deep dives and audits at regional level when required