AML Senior Product Compliance & Risk Manager - APAC

Wise; Singapore; On-site; SGD 165,000 - 218,000; Full time

Job summary

Wise is seeking an experienced AML expert to strengthen AML risk coverage across APAC. You will lead typology assessments, control design and effectiveness, collaborating with regional stakeholders and global teams.

Based in Singapore, you will report to the Group Product Compliance Lead for APAC FinCrime and own APAC AML risk for the first-line PC&R team. You'll translate regulatory guidance into measurable red flags and requirements, work with Product, Analytics and Engineering, and travel as

Qualifications

• Must have 7+ years in payments, fintech, banking or related financial services.
• Experience with APAC regulators and external auditors.
• Strong ownership and ability to drive initiatives with minimal oversight.
• Experience in AML/CFT and related domains (KYC, Fraud) is a plus.
• Proficiency with SQL or other analytical tools; willingness to travel.

Responsibilities

• Shape APAC AML risk and control priorities.
• Lead APAC PC&R assessment of ML/TF typologies, controls and effectiveness.
• Collaborate with APAC market PC&R Managers for regional risk view.
• Identify opportunities to introduce or enhance controls with evidence.
• Translate AML risks into clear requirements for Product, Analytics and Engineering.

Skills

AML/CFT

Payments/FinTech

SQL

Regulatory engagement

APAC risk & control

Tools

SQL

Job description

• Full-time
• Compensation: SGD 165,000 - SGD 217,500 - yearly

Company Description

Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.

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

Qualifications

Skills and experience

Must have

Minimum 7+ years in payments, fintech, banking, or other relevant financial services roles

Experience of engagements with APAC regulators and external auditors

High levels of ownership and autonomy, the ability to proactively identify improvement opportunities or areas of elevated risk, and the ability to drive work from inception to completion at pace with limited oversight

Nice-to-have

Experience in other financial crime domains in addition to AML - e.g. KYC, Customer Risk Assessment, Fraud

Experience using SQL or other analytical tools

Willingness to travel, as Wise offices and our global AML Product teams are located across different countries

About you

You have deep practical experience in AML/CFT matters across APAC - and have worked with both globally-led and locally-adapted AML/CFT control environments

You can evidence how you have translated regulatory guidance, typology analysis, and internal data into specific red flags, requirements, and measurable outcomes

You have strong technical fluency and can work credibly with Product Managers, Analysts, Data Scientists and Engineers

You can influence teams whose priorities and reporting lines you do not control - including global specialist teams and local market stakeholders

You are comfortable operating with ambiguity, challenging constructively, and making evidence-backed recommendations

You can clearly communicate complex financial crime risks to technical, compliance, and non-technical audiences

You take a practical, risk-based, and customer-oriented approach - rather than defaulting to advisory-only or overly-conservative solutions

You are motivated by building capability and improving operating models - not simply maintaining an existing programme

Additional Information

For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs .

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