Scheme Compliance Lead – Card Issuance

Wise; Greater London; On-site; GBP 120,000 - 180,000; Full time

Job summary

Wise in London is seeking a Scheme Compliance Function Lead to own issuer-side scheme compliance and card disputes across Visa and Mastercard. You will build scalable controls, lead a team of specialists, and partner with stakeholders to ensure compliant, secure card issuance at scale.

You will design multi-year strategies, drive launch integrity for new issuance initiatives, and manage external relationships with schemes while embedding governance and risk reduction into daily operations.

Qualifications

• Extensive experience in leading issuer-side scheme compliance and disputes operations (Visa and Mastercard).
• Proven track record of operationalizing scheme rules and audit-ready control frameworks.
• Excellent communication and negotiation skills with senior leaders and external scheme executives.
• Deep knowledge of the card issuance supply chain including processors, tokenisation, 3DS and dispute tooling.
• Strong leadership and team development skills in ambiguous environments.

Responsibilities

• Develop and execute a 1-3 year Spend Scheme Compliance strategy.
• Act as the accountable leader for issuer-side scheme topics across Visa and Mastercard programs.
• Manage and develop a team of Compliance Product Specialists.
• Own Card Disputes Compliance end-to-end across fraud and non-fraud disputes.
• Lead launch integrity for new issuance initiatives (BINs, chip profiles, market expansions).
• Oversee scheme compliance across the issuer supply chain including processors and 3DS providers.
• Establish early-warning monitoring programs for scheme KPIs (fraud, disputes, thresholds).
• Lead negotiations and external relationship management with Visa and Mastercard.
• Design and maintain a robust control framework and audit readiness.
• Drive continuous improvement with scalable dashboards and playbooks.

Skills

Issuer-side scheme compliance

Disputes operations

Stakeholder management

Leadership and coaching

Negotiation skills

Regulatory knowledge

Cross-functional collaboration

Process improvement

Governance and controls

Job description

Wise in London is seeking a Scheme Compliance Function Lead to own issuer-side scheme compliance and card disputes across Visa and Mastercard. You will build scalable controls, lead a team of specialists, and partner with stakeholders to ensure compliant, secure card issuance at scale.

You will design multi-year strategies, drive launch integrity for new issuance initiatives, and manage external relationships with schemes while embedding governance and risk reduction into daily operations.