Regulatory Compliance Testing Manager, North America

Company Description 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. Job Description We’re looking for a Regulatory Compliance Testing Manager to join our North America Compliance Monitoring and Testing team. You’ll independently assess whether regulatory controls work in practice and whether customers receive the outcomes our obligations require. You’ll lead risk-based reviews across U.S. consumer protection, payments, state money-transmission, safeguarding, disclosures, complaints, partner handoffs, and remediation. This is a hands-on testing role. You’ll take reviews from scoping and population definition through evidence, analysis, findings, reporting, and remediation validation. You’ll work closely with Product, Operations, Legal, Risk, Engineering, and Analytics while bringing clear, credible second-line challenge. Your mission: Help Wise build a testing program that is rigorous, practical, data-led, and focused on real customer outcomes. You will provide independent assurance over non-FinCrime regulatory risks in North America and turn complex obligations, production evidence, and operational signals into clear conclusions and actions. You’ll work alongside a Financial Crime testing counterpart and a separate monitoring-oversight lead. Your primary lane is independent regulatory testing: you will not own routine 1LOD monitoring or the overall monitoring framework, although you may provide quality assurance or challenge over related monitoring outputs. What You’ll Be Doing 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. Qualifications You have 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. You have 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. You can independently turn a broad risk into a bounded, defensible review with a clear objective, population, evidence plan, methodology, and conclusion. You are comfortable working with data. You do not need to be a data scientist, but you can frame the right questions, challenge lineage and quality, reconcile populations, interpret exceptions, and partner effectively with analysts. You distinguish documentation from implementation, implementation from operating effectiveness, and a clean test result from complete remediation closure. You write clearly and concisely and can explain complex testing results to senior leaders and cross-functional teams. You can challenge with evidence, stay practical, and build trust without becoming the owner of the controls you assess. You care about customer outcomes and are curious about how systems and processes actually behave in production. You are comfortable operating in a changing environment and can manage several dependencies without losing rigor or momentum. You are legally authorized to work in the United States, subject to the work-authorization and visa language confirmed for the requisition. Nice to haves: Experience at a payments company, neobank, bank, MSB, remittance provider, platform/embedded-finance business, or high-growth fintech. Experience with state money-transmitter licensing, NMLS, regulatory reporting, safeguarding, permissible investments, outstanding transmission liabilities, net-worth, surety, or other prudential obligations. Experience testing partner or third-party handoffs, bank-partner models, customer-remedy processes, disclosures, electronic consent, complaints, scams, restrictions, or funds access. Experience with regulatory exams, consent orders, MRAs/MRIAs, audit findings, issue validation, or significant remediation programs. Experience with SQL, Snowflake, Lightdash, Looker, Tableau, Power BI, Excel, Jira, Confluence, GitHub, AuditBoard/Optro, Archer, or comparable analytics and workflow tools. J.D., CRCM, CPA, CIA, CISA, CAMS, or a comparable qualification. We value demonstrated judgment and experience over any single credential. A bit about you: You ask what population and customer outcome a control is meant to protect before you ask how many samples to select. You follow evidence across systems and team boundaries and do not stop at a policy, attestation, or dashboard when production proof is available. You are precise about the boundary of your conclusion and transparent about what the review did not test. You enjoy solving difficult problems with people from different disciplines and can turn challenge into practical improvement. You bring ownership, integrity, curiosity, resilience, and good judgment under pressure. Some travel to NYC, and potentially London for global compliance collaboration, may be required. Additional Information 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.