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About the Role
Wise is seeking a Regulatory Compliance Testing Manager to join their North America Compliance Monitoring and Testing team. This role involves independently assessing the effectiveness of regulatory controls and ensuring positive customer outcomes. The manager will lead risk-based reviews across various compliance areas, including consumer protection, payments, state money-transmission, safeguarding, disclosures, complaints, partner handoffs, and remediation. This is a hands-on testing position requiring the ability to manage reviews from scoping to validation, collaborating with multiple departments to provide clear, credible challenge.
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 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.
Requirements
- 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.
- 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.
- Ability to independently turn a broad risk into a bounded, defensible review with a clear objective, population, evidence plan, methodology, and conclusion.
- Comfort working with data, including framing questions, challenging lineage and quality, reconciling populations, interpreting exceptions, and partnering effectively with analysts.
- Ability to distinguish documentation from implementation, implementation from operating effectiveness, and a clean test result from complete remediation closure.
- Clear and concise writing skills, with the ability to explain complex testing results to senior leaders and cross-functional teams.
- Ability to challenge with evidence, stay practical, and build trust without becoming the owner of the controls being assessed.
- Care about customer outcomes and curiosity about how systems and processes actually behave in production.
- Comfort operating in a changing environment and ability to manage several dependencies without losing rigor or momentum.
- Legally authorized to work in the United States, subject to work-authorization and visa language confirmed for the requisition.
Skills
- Compliance testing
- Internal audit
- Regulatory assurance
- Remediation validation
- Financial services
- Payments
- Banking
- MSB
- Fintech
- Consultancy
- U.S. consumer-protection requirements
- Payments requirements
- Regulation E
- UDAAP/UDAP
- E-SIGN
- Complaints
- Disclosures
- Customer communications
- State money-transmission
- Safeguarding/prudential topics
- Data analysis
- SQL
- Snowflake
- Lightdash
- Looker
- Tableau
- Power BI
- Excel
- Jira
- Confluence
- GitHub
- AuditBoard/Optro
- Archer
Location
- North America
Work Type
- Full-time
- Hybrid
Experience Level
- Manager
Education Level
- J.D.
- CRCM
- CPA
- CIA
- CISA
- CAMS
- Comparable qualification
Salary/Compensations
- USD 106500 - USD 145000
Benefits
- Global collaboration opportunities
- International team environment
- Diverse, equitable, and inclusive teams
About the Company
- Wise is a global technology company building the best way to move and manage the world’s money.
- Wise is on a mission to make people's and businesses' lives easier and save them money when sending money internationally, spending abroad, or making and receiving international payments.
- The company is creating an entirely new network for the world's money.
Equal Opportunity
- 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.