Regulatory Compliance Testing Manager, North America

Were looking for a Regulatory Compliance Testing Manager to join our North America Compliance Monitoring and Testing team. Youll independently assess whether regulatory controls work in practice and whether customers receive the outcomes our obligations require. Youll 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. Youll take reviews from scoping and population definition through evidence analysis findings reporting and remediation validation. Youll 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.

Youll 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 Youll 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. Were people building money without borders  without judgement or prejudice too. We believe teams are strongest when they are diverse equitable and inclusive.

Were 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 its like to work at Wise visit .

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Remote Work :

No

Employment Type :

Full-time