Senior Product Compliance & Risk Manager - Credit

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 . Your mission is to design the Product Risk and Compliance Program for Wise to offer Credit Cards across our licenses around the world. This is a first line of defence hands-on role, embedded in the Global Spend team. You will be owning projects, collaborating on and making decisions in the following areas: Regulatory: Stay ahead of issuing compliance, schemes and regulatory trends Translate and implement regulatory requirements for Product and Engineering Teams to seamlessly execute on Identify when local regulatory requirements can be executed by leveraging existing global controls and when unique requirements need prioritisation Risk and controls: Help drive the launch of new products and services by implementing controls in a customer-oriented way whilst at the same time, adhering to regulatory requirements. Challenge any assumption that is not a correct reflection of the Wise’s program and coordinate evidencing controls as necessary Define the Global Regulatory and Compliance Risk metrics for the Credit products globally, supporting local teams to regionalise global KRIs Coordinate prioritisation and efforts on issues, ensuring any necessary remediation is timely executed Identify and drive enhancements that could improve our customer experience, unlock growth and improve our operational processes. Reporting and external engagement: Report on the health of the Credit Card program in front of internal and external stakeholders Lead Credit Card Regulatory, Fincrime and Risk discussions and forums Take part in industry associations initiatives Qualifications You have a 8 years experience working in Compliance, ideally worked at Financial or Payments Institutions, Card Schemes or Law or Consultancy Firms You have been advising and solving regulatory challenges on card schemes or other issuing solutions (i.e. Debit cards, local schemes, etc) for at least 5 years Your experience spans across more than one area of compliance: fraud and financial crime risks, consumer protection, segregation of funds, regulatory issuing regimes and more You are a natural owner that drives and delivers projects from inception to completion and can go into the details of each and every problem within their domain space You are an engaging communicator, willing to collaborate with different audiences (i.e. from Regulators to engineers) You are analytical, use data to make decisions and challenge assumptions You have experience (or desire) in working in a fast-growing environment and apply your previous industry experience in a new paradigm that reflects how Wise works Willingness to travel occasionally to our offices globally. 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 .