Compliance Lead

Wise is looking for an AML/BSA Officer to lead its growing financial crime compliance oversight team in North America. This senior role will be working alongside a small but highly effective team in second line compliance.

In this role you will be responsible for the effective mitigation of financial crime risks through the ongoing enhancement and maintenance of robust  systems and controls. This position requires close partnership with our financial crime compliance operational and product teams, with opportunities to present to senior stakeholders and shape the strategic direction of the financial crime compliance program.

Your Mission:

• Lead a team of BSA professionals and work closely with our Product Compliance, FinCrime Operations, Product, Banking, and Legal teams

• Ensuring there is strong oversight of all compliance operations including AML, Fraud, Sanctions, KYC/CDD and EDD

• Provide advice and guidance to other teams and key stakeholders – regionally and globally, on BSA, AML/CTF and OFAC sanctions regulations as well as related Wise policies and procedures

• Support in the development and maintenance of the compliance FinCrime oversight framework and our North America AML, Sanctions, and KYC policies

• Prepare and deliver quarterly compliance reports to the board of directors of Wise US Inc. as well as contribute to group-level compliance reporting where required.

• Maintain employee training materials and standards, as well as deliver regular training to the Wise US Inc. board of directors

• Challenge first line teams on the development of controls and provide approvals on any control changes , new products, features, or business partnerships

• Represent fincrime compliance oversight both internally and externally to regulators, auditors and partners as required 

• Set and maintain SAR filing standards, leading the US SAR committee, providing feedback to our FinCEN Reporting Team

• Contribute to the company’s Financial Crime Risk Assessment

• Horizon scanning of new FinCrime regulatory developments and maintaining oversight of timely implementation of any required controls to meet these developments 

• Oversee Wise’s 314b program, US and Canadian law enforcement responses, and information sharing with partner banks

• Proactively identifying key areas of risk and work with first line teams to in the development of mitigation plans

• Mentoring, developing, and leading junior team members

A Bit About You:

• Theory. You are an expert in US financial crime regulations including the Bank Secrecy Act, OFAC, NY DFS Part 504, and may be currently working or have worked within the area of financial crime compliance preferably in a fast paced environment either in-house or as a consultant.

• Practice. You have demonstrable experience designing and challenging processes, ideally across multiple products. You have thought deeply about the Wise mission and how it intersects with compliance.

• Passion. You get a kick out of improving current practices and processes and can apply different compliance strategies to develop compliance frameworks.

• Communication. You are an effective and concise communicator in both your writing and speaking for both US and non-US audiences. You can convey complex ideas effectively to both internal and external audiences.

• Get the job done. You have a sense of urgency and an ability to work well under pressure, prioritising, taking responsibility and working to tight deadlines with the capability to handle multiple projects at one time.

• Detail. You have meticulous attention to detail and if you’ve skimmed through without reading this bullet point, we are sure a bank would love to have you.

• Team player. You have great people skills and can effectively and efficiently collaborate, build relationships with colleagues throughout the business and across the globe.

• Travel. You must be willing to travel to our other offices as required.

• Must already be legally authorized to work in the US, we cannot provide Visas for this role

• Wise US follows a hybrid work structure where employees can work remotely or from the office based on task requirements. We remain office-first for tasks requiring a high degree of collaboration.

Nice to haves:

• Certified Anti-Money Laundering Specialist (CAMS), Certification as a Global Sanctions Specialist (CGSS),  or similar.

• Experience with conducting risk assessments

• Experience conducting QA/QC on SARs

• Experience filing SARs or OFAC reports electronically

• Experience with training/mentoring junior team members

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.

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