AML Senior Product Compliance & Risk Manager - APAC

About the role

We’re looking for an experienced AML expert to strengthen how Wise identifies and manages money laundering and terrorist financing risk across its APAC markets. You’ll bring together regional regulatory expectations, local typology knowledge, and internal risk evidence to identify enhancements to AML control coverage and effectiveness. You’ll work closely with local Product Compliance & Risk (PC&R), Compliance, and Risk stakeholders from across our different APAC markets - as well as APAC and global Product and Engineering teams.

This is an individual contributor role in our first-line PC&R team. Based in Singapore and reporting to the Group Product Compliance Lead for APAC FinCrime, you’ll be the accountable PC&R owner for APAC AML risk and control effectiveness.

What you’ll do

Shape APAC’s AML risk and control priorities

• Lead APAC PC&R’s assessment of ML/TF typologies, control coverage, and control effectiveness across our APAC markets
• Work closely with local APAC market PC&R Managers to create a coherent regional view of AML risks, gaps, and priorities
• Identify and prioritise opportunities to introduce new controls or enhance existing controls - supported by clear problem statements, evidence, expected outcomes and relevant market context

Turn regional insight into control improvements

• Translate AML risks and regulatory expectations into clear outcomes and requirements for the relevant Product, Analytics, and Engineering teams
• Represent APAC in the design and localisation of controls developed by global AML Product, Analytics and Engineering - ensuring material regional nuances are considered from the outset
• Identify new APAC control opportunities and develop evidence-backed proposals that regional or global Product teams can evaluate and prioritise

Strengthen control effectiveness across the lifecycle

• Provide AML expertise throughout the control lifecycle: from typology and red flag identification through design, testing, deployment, and ongoing monitoring / assurance
• Work with AML Operational teams to understand how ML/TF risks manifest in practice and develop a deep understanding of operational handling to identify improvement areas
• Support cross-functional decisions by making the relevant evidence, trade-offs, dependencies, limitations, and residual risks clearly understood and visible

Build a robust, joined-up regional capability

• Connect AML work with adjacent areas (e.g. KYC, Customer Risk Assessment and Fraud) where layered controls or shared risk indicators can produce better outcomes
• Communicate APAC risks, evidence gaps, recommendations, and progress clearly to regional and global stakeholders
• Support regulatory engagements on AML topics across APAC, including coordinating responses to regulator requests and participating in regulatory inspections/exams
• Build strong working relationships across regional and global PC&R, Product, Analytics, Engineering, Operations, and Compliance teams