Regulatory Compliance Testing Manager, North America

Wise; Texas; In loco; USD 150.000 - 190.000; Tempo pieno

Descrizione del lavoro

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

consumer protection, payments, and state money-transmission, ensuring customer outcomes are achieved. This hands-on role requires collaboration with Product, Operations, Legal, Risk, Engineering, and Analytics.

Competenze

• Hands-on experience in compliance testing, internal audit, or independent-review roles within financial services, payments, banking, MSB, fintech, or consultancy.
• Strong knowledge of U.S. consumer-protection and payments requirements (Reg E, UDAAP/UDAP, E-SIGN, disclosures, complaints, state money-transmission).
• Ability to turn broad risk into a bounded, defensible review with clear objectives, populations and evidence plan.
• Comfort working with data; able to frame questions, challenge lineage, reconcile populations and interpret exceptions.

Mansioni

• Plan and execute risk-based regulatory testing and remediation-validation reviews from scope to final report.
• Translate obligations into precise control questions, populations, evidence requirements, procedures, and failure criteria.
• Test control design and operating effectiveness across production to ensure remediation is complete and reproducible.
• Define testing populations, use data to stratify risk, and identify exceptions with defensible conclusions.
• Review end-to-end processes across Product, Operations, technology, data, partner, and legal entities.
• Assess U.S. consumer protection and payments requirements, including state money-transmitter obligations.
• Write workpapers, issues, remediation conclusions, and management reports with clear evidence and judgments.
• Challenge control owners, agree practical corrective actions, and maintain independent second-line judgment.
• Support regulatory examinations, audits, and governance reporting with accurate testing evidence.
• Contribute to NorthAm CMT methodology, data use, and reporting.

Conoscenze

Regulatory testing

Financial services

Internal audit

Data analysis

Stakeholder mgmt

Strumenti

SQL

Snowflake

Looker

Tableau

Power BI

Excel

Jira

Confluence

GitHub

AuditBoard/Optro

Archer

Descrizione del lavoro

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.

More about our mission and what we offer.

We’re looking for a Regulatory Compliance Testing Manager to join our North America Compliance Monitoring and Testing team. You’ll independently assess whether regulatory controls work in practice and whether customers receive the outcomes our obligations require. You’ll lead risk-based reviews across U.S. consumer protection, payments, state money-transmission, safeguarding, disclosures, complaints, partner handoffs, and remediation.

This is a hands-on testing role. You’ll take reviews from scoping and population definition through evidence, analysis, findings, reporting, and remediation validation. You’ll work closely with Product, Operations, Legal, Risk, Engineering, and Analytics while bringing clear, credible second-line challenge.

Your mission:

Help Wise build a testing program that is rigorous, practical, data-led, and focused on real customer outcomes. You will provide independent assurance over non-FinCrime regulatory risks in North America and turn complex obligations, production evidence, and operational signals into clear conclusions and actions.

You’ll work alongside a Financial Crime testing counterpart and a separate monitoring-oversight lead. Your primary lane is independent regulatory testing: you will not own routine 1LOD monitoring or the overall monitoring framework, although you may provide quality assurance or challenge over related monitoring outputs.

What You’ll Be Doing

• 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 whether controls work consistently in production and whether customer remediation is complete and reproducible.
• Define and reconcile complete testing populations before sampling; use data and analytics to stratify risk, identify exceptions, and support defensible conclusions.
• Review end-to-end processes that cross Product, Operations, technology, data, partner, and legal-entity boundaries.
• Assess U.S. consumer-protection and payments requirements, including areas such as Regulation E, UDAAP/UDAP, E-SIGN, complaints, disclosures, customer communications, scams and restrictions, and state money-transmission obligations.
• Evaluate state prudential and customer-funds controls where relevant, including safeguarding, permissible investments, liability-to-asset reconciliation, shortfalls, and selected regulatory-reporting evidence.
• Write clear workpapers, issues, remediation-validation conclusions, and management reports that distinguish evidence, regulatory judgment, customer impact, and inference.
• Challenge control owners and senior stakeholders constructively, agree practical corrective actions, and preserve independent second-line judgment.
• Use Internal Audit, Group, first-line, or external-review evidence thoughtfully, relying only where the entity, population, period, procedure, result, and retained evidence support the specific assurance objective.
• Support regulatory examinations, audits, partner due diligence, risk assessments, and governance reporting with accurate, well-organized testing evidence when needed.
• Contribute to the continued development of NorthAm CMT methodology, templates, data use, quality standards, and reporting.

Qualifications

• You have substantial hands-on experience in compliance testing, internal audit, regulatory assurance, remediation validation, or a closely related independent-review role within financial services, payments, banking, an MSB, fintech, or a relevant consultancy.
• You have strong working knowledge of U.S. consumer-protection and payments requirements and meaningful depth in several of Regulation E, UDAAP/UDAP, E-SIGN, complaints, disclosures, customer communications, state money-transmission, or safeguarding/prudential topics.
• You can independently turn a broad risk into a bounded, defensible review with a clear objective, population, evidence plan, methodology, and conclusion.
• You are comfortable working with data. You do not need to be a data scientist, but you can frame the right questions, challenge lineage and quality, reconcile populations, interpret exceptions, and partner effectively with analysts.
• You distinguish documentation from implementation, implementation from operating effectiveness, and a clean test result from complete remediation closure.
• You write clearly and concisely and can explain complex testing results to senior leaders and cross-functional teams.
• You can challenge with evidence, stay practical, and build trust without becoming the owner of the controls you assess.
• You care about customer outcomes and are curious about how systems and processes actually behave in production.
• You are comfortable operating in a changing environment and can manage several dependencies without losing rigor or momentum.
• You are legally authorized to work in the United States, subject to the work-authorization and visa language confirmed for the requisition.

Nice to haves:

• Experience at a payments company, neobank, bank, MSB, remittance provider, platform/embedded-finance business, or high-growth fintech.
• Experience with state money-transmitter licensing, NMLS, regulatory reporting, safeguarding, permissible investments, outstanding transmission liabilities, net-worth, surety, or other prudential obligations.
• Experience testing partner or third-party handoffs, bank-partner models, customer-remedy processes, disclosures, electronic consent, complaints, scams, restrictions, or funds access.
• Experience with regulatory exams, consent orders, MRAs/MRIAs, audit findings, issue validation, or significant remediation programs.
• Experience with SQL, Snowflake, Lightdash, Looker, Tableau, Power BI, Excel, Jira, Confluence, GitHub, AuditBoard/Optro, Archer, or comparable analytics and workflow tools.
• J.D., CRCM, CPA, CIA, CISA, CAMS, or a comparable qualification. We value demonstrated judgment and experience over any single credential.

A bit about you:

• You ask what population and customer outcome a control is meant to protect before you ask how many samples to select.
• You follow evidence across systems and team boundaries and do not stop at a policy, attestation, or dashboard when production proof is available.
• You are precise about the boundary of your conclusion and transparent about what the review did not test.
• You enjoy solving difficult problems with people from different disciplines and can turn challenge into practical improvement.
• You bring ownership, integrity, curiosity, resilience, and good judgment under pressure.
• Some travel to NYC, and potentially London for global compliance collaboration, may be required.

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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