Regulatory Testing Lead, North America Compliance

Wise; Texas; On-site; USD 150,000 - 190,000; Full time

Job summary

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.

Qualifications

• 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.

Responsibilities

• 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.

Skills

Regulatory testing

Financial services

Internal audit

Data analysis

Stakeholder mgmt

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’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.