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.