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About the Role
Wise is seeking a Senior Compliance Specialist to join the North America Financial Crime Compliance Oversight team in Austin, TX. This role focuses on providing independent second-line challenge and expertise for AML and Fraud controls across the US and Canada, partnering cross-functionally to identify and drive improvements.
Responsibilities
- Provide second-line oversight of AML and Fraud controls across the US and Canada, including customer due diligence, investigations and fraud risk controls.
- Review and challenge first-line control design, performance and changes, including new products or features; recommend proportionate improvements and escalate material issues.
- Advise regional and global teams on applicable US and Canadian AML/CTF requirements and Wise policies, translating obligations into practical control expectations.
- Use MI, KRIs and control evidence to identify trends, exceptions and gaps; agree actions and track remediation through closure.
- Contribute to financial crime risk assessments and horizon scanning, helping ensure relevant AML/Fraud developments are reflected in controls.
- Support suspicious activity/transaction reporting governance, including the US SAR Committee where relevant, and provide clear analysis and control feedback.
- Prepare concise, decision-ready documentation and support responses to auditors, regulators and partners within your scope.
- Own medium-complexity work end to end and share expertise through onboarding, coaching and knowledge sharing.
Requirements
- Strong working knowledge of US and Canadian AML/CTF requirements.
- Hands-on experience with AML and Fraud controls in a financial institution, fintech, money services business or consulting environment.
- Experience reviewing, challenging or improving controls and investigations.
- Ability to connect regulatory requirements, risk and customer impact.
- Ability to identify material issues, make sound risk-based recommendations, and know when to decide independently or escalate.
- Ability to manage medium-complexity work from start to finish, prioritise competing deadlines and keep stakeholders aligned with minimal direction.
- Ability to write and speak clearly, simplify complex information and constructively challenge stakeholders across Operations, Product and Compliance.
- Proactive, thorough and data-minded with the ability to follow actions through to closure and leave a clear record of the risk, decision and rationale.
- Ability to build strong relationships, welcome feedback and share expertise to help others succeed.
- Willing to travel to other Wise offices as required (around 10%).
- Must already be legally authorised to work in the US; Wise cannot provide visa sponsorship for this role.
Skills
- AML
- Fraud controls
- Customer due diligence
- Investigations
- Fraud risk controls
- AML/CTF requirements
- Risk assessment
- Horizon scanning
- Suspicious activity/transaction reporting
- Transaction monitoring
- Communication
- Data analysis
Location
- Austin, TX
Work Type
- Full-time
- Hybrid
Experience Level
- Senior
Education Level
- Certified Anti-Money Laundering Specialist (CAMS), or similar professional certification (Nice to have)
Salary/Compensations
- $82,000 - $110,000 USD annually
Benefits
- Restricted Stock Units (RSUs)
- Medical, dental, & vision insurance - including HSA and FSA options.
- Company-paid: Life Insurance, AD&D Insurance, Short & Long-Term Disability, and an EAP program.
- 25 days of PTO + 11 paid banking holidays + 10 paid sick days + a paid volunteer day, annually.
- 16-weeks of paid parental leave, after a year with us.
- 401k with up to a 4% employer match.
- 6-week paid sabbatical after 4 years with us.
About the Company
- Wise is a global technology company, building the best way to move and manage the world’s money.
- We are people without borders - without judgment or prejudice, too.
- We want to work with the best people, no matter their background.
- We believe that diverse teams build better products.
- 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.
Equal Opportunity
- We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.
- Also, qualifications aren't that important to us. If you've got great experience, and you're great at articulating your thinking, we'd like to hear from you.
- And because we believe that diverse teams build better products, we'd especially love to hear from you if you're from an under-represented demographic.