• Conduct consumer compliance reviews, regulatory testing, risk assessments, and issue validation activities • Evaluate business processes and controls for compliance with applicable federal and state consumer finance regulations • Identify compliance risks, document findings, and support remediation efforts • Provide regular status updates to Senior Compliance Examiners and management throughout the review lifecycle • Prepare clear, accurate, and well-documented workpapers that outline testing procedures performed, results obtained, and supporting analysis • Maintain working knowledge of relevant regulatory requirements, regulatory changes, and business initiatives, and understand their potential compliance impacts • Identify compliance risks and control gaps based on testing results and observations, and communicate findings to the review lead • Provide timely status updates on assigned testing activities to management • Contribute to the development of comprehensive and defensible testing reports • Establish and maintain effective working relationships with business partners and internal stakeholders during the course of reviews • Respond to business partner inquiries regarding compliance requirements and regulatory expectations • Review and analyze policies, procedures, workflows, and first-line monitoring activities • Research regulatory and operational questions and summarize findings; provide recommendations or escalate complex issues as appropriate • Develop corrective action recommendations, review management action plans, and validate remediation efforts through issue closure • Support special projects and perform other duties as assigned

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 Senior Regulatory Compliance Lead to join our growing North America Regulatory Oversight Compliance team. In this role, you’ll be leading our Canada regulatory and financial crime compliance programs and regulator engagement. . You’ll work closely with cross-functional teams and lead our efforts to ensure that Wise complies with all applicable regulations in Canada. You’ll also help shape and evolve our second-line compliance framework, providing critical insights to product, operations, and leadership teams, and helping embed compliance into everything we do. If you're passionate about systems that make compliance smart, scalable, and transparent—and you’re excited to work at the intersection of tech and financial services regulation—we’d love to hear from you. Your responsibilities will include: - Regulatory Liaison & Horizon Scanning: Act as a primary point of contact for Canadian regulators (such as Bank of Canada, FINTRAC and CIRO) and banking partners. You are responsible for "horizon scanning"—identifying upcoming changes in Canadian regulatory and financial crime (FinCrime) legislation (e.g., the Proceeds of Crime (Money Laundering) and Terrorist Financing Act) and advising product teams on how these changes impact Wise's roadmap. - Fincrime Framework Oversight: Develop, implement, and maintain the Second Line of Defense (2LoD) policies and procedures for regulatory and FinCrime compliance requirements for the Canadian market. This includes overseeing KYC (Know Your Customer), EDD (Enhanced Due Diligence), and transaction monitoring controls to ensure they effectively mitigate risks without creating unnecessary friction for customers. - Compliance Advisory: Collaborate directly with Product Managers and Engineers and Product Compliance teams to ensure new features or payment rails are "compliant by design." You would provide expert guidance on how to integrate regulatory and FinCrime controls into the user journey while maintaining the speed and transparency Wise is known for. - Monitoring & Independent Testing: Support and oversee regular monitoring and testing of the firm’s regulatory and financial crime controls to evaluate their effectiveness. This includes managing internal audits, tracking remediation plans for any identified gaps, and providing comprehensive reporting to the Board of Directors on the health of the Canadian compliance program. About you: - Knowledge of money transmission, prepaid accounts, Canada's consumer compliance regulations, and FinCrime related regulations - 5 years experience in compliance or audit including experience: - Utilizing Canadian territory portals and processes to deliver ad hoc and ongoing regulatory reporting - Working with internal cross-functional stakeholders including product, operation, finance, legal, and people teams - Communicating effectively with external stakeholders including auditors and regulators - Very detail-oriented - Ability to meet tight deadlines - Discretion and personal integrity, especially in regards to sensitive financial, personal, and corporate information - Ability to be both reactive and help solve problems in the moment as well as proactive, building longer term solutions using data-driven decision making - Experience (or interest) in working at a fast-paced internet, technology, or financial services companies in risk or compliance - Experience using G-Suite, Office, Confluence, Jira and collaborative tools (e.g. Slack, Teams) - Willing to travel, as Wise offices are located across different countries; and Some extra skills that would be great: - Experience working in the Money Services Business (MSB) industry - Experience working with international teams and understanding of global regulatory environments. - Certified Regulatory Compliance Manager or similar qualification - Prior experience working with the Bank of Canada, FINTRAC and CIRO. We’re people without borders — without judgment or prejudice, too. We want to work with the best people, no matter their background. So if you’re passionate about learning new things and keen to join our mission, you’ll fit right in. 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. 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.

• Develop, oversee and drive global regulatory strategies for assigned development programs and marketed products in US, and other priority markets supported by the regional regulatory teams. • Serve as the senior regulatory lead in interactions with major health agencies including FDA, leading high-stakes negotiations and ensuring high-quality briefing packages and responses. • Partner with R&D, CMC, Manufacturing, Clinical, Medical, Quality, Commercial, and Supply Chain teams to integrate regulatory requirements into global product strategies, development plans, and launch readiness. • Lead, mentor, and develop a global team of regulatory professionals across multiple regions. • Ensure global compliance across development, submissions, registration maintenance, and post-market activities. • Support due diligence activities for partnerships, acquisitions, and in-licensing opportunities by assessing regulatory risks, pathways, and development strategies.

• Define and drive the global lifecycle regulatory strategy aligned with corporate, portfolio, and product objectives • Act as a strategic partner to senior leadership, communicating risks, opportunities, and regulatory scenarios • Lead, coach, and develop a high-performing global regulatory team • Oversee all post-approval regulatory activities, including variations, renewals, and regulatory commitments • Lead regulatory strategy for post-approval changes, including impact assessment, pathway optimization, and risk mitigation • Ensure compliance with global regulatory requirements and evolving health authority expectations • Partner with RA-CMC to align regulatory strategies for technical and manufacturing changes • Ensure timely, high-quality execution of lifecycle submissions through effective planning, tracking, and team accountability