Compliance Manager - EU

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 Manager to join our growing team in Tallinn, Estonia. In this role you will act as a versatile, high-impact compliance officer capable of navigating complex regulatory landscapes and safeguarding our Belgian license (Wise Europe SA). As a key pillar of our Second Line of Defense (2LOD), you will maintain a birds-eye view of our compliance framework, step in to lead diverse initiatives, and ensure seamless continuity across the function. What you'll be doing: Regulatory Horizon Scanning: Support with implementation of existing and upcoming regulatory requirements (e.g. PSD3/PSR), assessing their impact on Wise and advising our first line teams Product & Cross-Functional Advisory: Partner independently with 1LOD Product, Legal, and Product Compliance teams to ensure new products, features, and market expansions are compliant by design. Policy Architecture: Draft, update, and roll out robust Wise Europe regulatory compliance policies, procedures, and standards Provide training to Wise teams to raise awareness on applicable compliance obligations Regulator Engagement & Reporting: Ensure that within the scope of your tasks we retain a transparent and collaborative relationship with our regulators and comply with our notification obligations (e.g. major incident reportability assessment, new product notifications) Breach Oversight & Remediation: Proactively identify potential compliance gaps, propose pragmatic redress, and collaborate with relevant teams to ensure that remediation actions are sustainably implemented. Culture & Training: Mentor internal teams and design/deliver engaging training programs to raise regulatory compliance awareness across Wise You'll have the opportunity to: Drive Dynamic Impact: Experience total variety in your day-to-day, developing a deep, end-to-end understanding of Wise's global product ecosystem. Exercise True Autonomy: Enjoy the empowerment to own your projects from Day 1 within a highly collaborative and non-bureaucratic 2LOD environment. Act as a Trusted Advisor: Directly influence operational leaders and help scale innovation in a compliant way. What you'll bring Solid 2LOD Experience: Proven track record working within a second-line compliance function at an authorized payment institution, e-money institution, or progressive financial institution. Regulatory Breadth: A strong grasp of the payments industry regulatory ecosystem, with the ability to quickly master and interpret Belgian and European prudential laws. Adaptable Generalist Mindset: Thrives in ambiguity, possesses the intellectual curiosity to jump across different compliance domains, and comfortably acts as a cross-functional backup. Strategic Communication: Exceptional ability to distill complex legal requirements into persuasive, clear, and practical arguments for product and engineering teams. Mission Alignment: You’ve thought deeply about the intersection of strict regulatory compliance and the Wise mission of fast, low-cost borderless money 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 . Keep up to date with life at Wise by following us on LinkedIn and Instagram .