Compliance Testing Lead – North America

Wise; Austin (TX); On-site; USD 130,000 - 170,000; Full time

Job summary

Wise is seeking a Regulatory Compliance Testing Manager to join our North America Compliance Monitoring and Testing team. You will independently assess whether regulatory controls work in practice and lead risk-based reviews across U.S.

consumer protection, payments, and state money-transmission. This hands-on role requires collaboration with Product, Ops, Legal, Risk, Engineering and Analytics to deliver clear conclusions and remediation validation.

Qualifications

• Substantial hands-on experience in compliance testing, internal audit, regulatory assurance, or remediation validation.
• Strong working knowledge of U.S. consumer-protection and payments requirements with depth in Regulation E, UDAAP/UDAP, E-SIGN, or state money-transmission topics.
• Ability to turn broad risk into a bounded, defensible review with clear objective, population, evidence plan, methodology, and conclusion.
• Comfort with data, framing questions, challenging lineage and quality, and partnering with analysts.
• Clear, concise writing; able to explain complex testing results to senior leaders and cross-functional teams.
• Willingness to challenge with evidence and maintain independence.
• Travel to NYC and potentially London for global compliance collaboration may be required.

Responsibilities

• Plan and execute risk-based regulatory testing and remediation-validation reviews from scope through final report.
• Translate regulatory obligations and customer-outcome risks into precise control questions, populations, evidence requirements, test procedures, and failure criteria.
• Test both control design and operating effectiveness, including production performance and complete customer remediation.
• Define and reconcile complete testing populations before sampling; use data to stratify risk and identify exceptions.
• Review end-to-end processes that cross Product, Operations, technology, data, partner, and legal-entity boundaries.
• Assess U.S. consumer-protection and payments requirements across Regulation E, UDAAP/UDAP, E-SIGN, disclosures, and state money-transmission obligations.
• Evaluate safeguarding, prudential requirements, and regulatory-reporting evidence when relevant.
• Write workpapers, issues, remediation-validation conclusions, and management reports with clear evidence and conclusions.
• Challenge control owners and senior stakeholders to agree practical corrective actions while maintaining independent judgment.
• Support regulatory examinations, audits, and governance with accurate testing evidence as needed.
• Contribute to NorthAm CMT methodology, templates, data use, and reporting.

Skills

Regulatory testing

Internal audit

Remediation validation

Data analysis

Regulatory assurance

Stakeholder management

Education

J.D./CRM credentials

Tools

SQL

Snowflake

Looker

Tableau

Power BI

Excel

Jira

Confluence

GitHub

AuditBoard/Optro

Archer

Job description

Wise is seeking a Regulatory Compliance Testing Manager to join our North America Compliance Monitoring and Testing team. You will independently assess whether regulatory controls work in practice and lead risk-based reviews across U.S.

consumer protection, payments, and state money-transmission. This hands-on role requires collaboration with Product, Ops, Legal, Risk, Engineering and Analytics to deliver clear conclusions and remediation validation.