Compliance Senior Manager

Wise; Austin (TX); On-site; USD 180,000 - 230,000; Full time

Job summary

Wise is seeking a Senior Regulatory Compliance Manager to lead the North America Compliance team and oversee 2LOD monitoring oversight. The role focuses on building a scalable, data-led, AI-enabled monitoring program aligned with global methodology and regulatory priorities.

You will partner with Analytics and 1LOD teams to design dashboards, workflows, alerts, and analytics routines while addressing US regulations such as Reg E, UDAAP, E-SIGN and BSA/AML.

Qualifications

• 7+ years of experience in compliance monitoring, risk management, or financial services controls.
• Strong understanding of US consumer protection and financial services regulations (Reg E, UDAAP, E-SIGN, BSA/AML).
• Proven ability to build or enhance monitoring programs, dashboards, and analytics workflows.

Responsibilities

• Lead development of North America regulatory monitoring oversight framework across 1LOD/2LOD.
• Define standards for monitoring coverage, data requirements, thresholds and escalation.

Skills

Regulatory compliance

Analytics

AI / automation

Executive communication

Cross-functional collaboration

US work authorization

Leadership

Education

J.D.

Tools

SQL

Snowflake

Looker

Tableau

Power BI

Jira

Confluence

GitHub

AuditBoard/Optro

Archer

Job description

Company Overview

Wise is a global technology company building the best way to move and manage the world’s money. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, we are on a mission to make their lives easier and save them money.

Job Summary

Senior Regulatory Compliance Manager – North America Compliance team. Lead 2LOD oversight of regulatory compliance monitoring, building a scalable, data‑led, AI‑enabled monitoring oversight framework.

Duties and Responsibilities

• Lead the development of Wise’s North America regulatory monitoring oversight framework, aligned with global methodology and regulatory priorities.
• Define standards for effective 1LOD‑owned monitoring, including coverage expectations, data requirements, thresholds, escalation triggers, documentation, evidence retention, and issue handoff.
• Partner with Analytics and 1LOD teams to design recurring monitoring workflows, dashboards, alerts, exception reports, AI‑assisted reviews, and analytics routines.
• Oversee monitoring coverage across key North‑America regulatory obligations (Regulation E, UDAAP, E‑SIGN, BSA/AML/FinCrime, state Money Transmission License requirements, MSB obligations, Reg W, complaints, disclosures, customer communications, operational processes, and remediation commitments).
• Challenge 1LOD monitoring design, execution, documentation, and responsiveness to emerging risks.
• Build or co‑build interim monitoring workflows with Analytics, including documentation, ownership mapping, training, maintenance expectations, and transition plans for 1LOD handoff.
• Translate regulatory obligations, exam findings, audit results, incidents, complaints, product changes, and remediation commitments into practical monitoring indicators and oversight routines.
• Review monitoring outputs to identify themes, exceptions, control weaknesses, customer harm patterns, production issues, and emerging regulatory risks.
• Ensure monitoring exceptions are investigated, escalated, tracked, and remediated through appropriate governance channels.
• Produce clear reporting for Compliance leadership, committees, board‑level materials, and regulatory examination readiness.
• Help define how Wise uses AI and automation responsibly within compliance monitoring, including governance, QA, human review, and documentation.

Qualifications

• 7+ years of experience in compliance monitoring, risk management, control oversight, audit analytics, operational risk, regulatory compliance, financial crimes monitoring, or related financial services roles.
• Strong understanding of US consumer protection and financial services regulations (Reg E, UDAAP, E‑SIGN, BSA/AML/FinCrime, state Money Transmission/MSB requirements, and related regulatory expectations).
• Proven ability to build or enhance monitoring programs, oversight frameworks, KRI routines, dashboards, exception management processes, control monitoring, or compliance analytics.
• Strong analytics fluency; able to frame monitoring questions, interpret data, challenge data quality, partner with analytics teams, and turn trends into regulatory judgment.
• Experience partnering with technology, analytics, product, operations, or engineering teams to turn risk questions into repeatable workflows.
• Comfort with AI, automation, or workflow tooling, including governance, documentation, QA, and human review.
• Strong executive communication skills; ability to turn complex regulatory and data‑driven insights into clear, practical narratives.
• Legally authorized to work in the US.

Nice to Have

• J.D., CRCM, CAMS, MBA, analytics certification, AI certification, or similar credential.
• Experience with SQL, Snowflake, Lightdash, Looker, Tableau, Power BI, Jira, Confluence, GitHub, AuditBoard/Optro, Archer, or similar tools.
• Experience designing AI‑assisted monitoring, alerting, surveillance, issue detection, compliance review, or exception management workflows.
• Prior experience at a payments company, neobank, MSB, or high‑growth fintech.
• Financial crimes monitoring experience, especially involving analytics, typologies, alerting, governance, or cross‑regional monitoring frameworks.
• Familiarity with formal Compliance Management System frameworks.
• Canadian regulatory knowledge: FINTRAC requirements, provincial MSB licensing.
• Experience managing or mentoring junior compliance staff.
• Former regulator, audit, regulatory remediation, or supervisory exam experience.

A Bit About You

• You see monitoring as an early‑warning system, not a reporting exercise.
• You are a builder, but you understand that durable monitoring must ultimately sit with the teams closest to the risk; you can build, document, train, transition, and provide effective oversight.
• You are data‑curious and hands‑on. Comfortable working with analytics partners, exploring data, shaping dashboards, reviewing exceptions, and asking sharper questions when numbers do not make sense.
• You understand that AI can strengthen compliance monitoring, but only if it is governed, documented, reviewed, and tied to real regulatory judgment.
• You care about customer outcomes and can connect operational signals to potential regulatory risk.
• You are credible with senior stakeholders, practical with product and operations teams, and willing to challenge when evidence points to a problem.
• You bring ownership, integrity, intellectual curiosity, good humor under pressure, and a strong instinct for what a modern compliance function should become.
• Some travel to NYC, and potentially London for global compliance collaboration, may be required.

Additional Information

We believe diverse, equitable, and inclusive teams are strongest. We celebrate differences and strive to create a workplace where every Wiser feels respected and empowered.