Company Description
Wise is a global technology company, building the best way to move and manage the world’s money.
Wise is on a mission to make the lives of people and businesses easier by allowing them to send money abroad, spend overseas, and make international payments while saving them money. As part of our team you will help create an entirely new network for the world’s money.
Job Description
As a Risk Assessment Specialist, you will play a critical role in ensuring Wise’s adherence to regulatory and compliance standards. You will be responsible for mitigating risks associated with high‑risk customers while maintaining compliance with AML/CTF regulations and internal policies in line with Wise’s risk appetite. The role requires an advanced understanding of the inherent risks tied to complex business structures, various customer types and activities, country‑specific risks, and appropriate mitigating strategies. This is a great opportunity for individuals who want to deepen their expertise in the KYC/AML domain.
Job Responsibilities
Act as the endpoint for all escalations from other compliance operations teams, assessing customers’ risks and applying risk‑based approach methodologies.
Mentor and consult other compliance operations teams and act as a subject‑matter expert on complex cases.
Perform risk assessment and enhanced due diligence on complex and high‑risk customers, document and provide thorough analysis on potential risks and apply appropriate mitigation measures by analysing their business activities, compliance programmes and controls.
Review and analyse documentation (AML, sanctions, EDD, KYC, Acceptable Use policies) for customers under review, comparing them against Wise’s policies and internal risk‑based approach.
Assess the customer’s potential reputational and financial crime risk to Wise from sanctions, PEP, and adverse media perspectives.
Develop new and better risk mitigation methods and improve our compliance framework and controls while working closely with Product and FinCrime.
Escalate and report compliance concerns to Financial Crime Oversight and other compliance teams where necessary.
Communicate with internal and external partners/stakeholders to facilitate scalable, compliant business onboarding growth.
Work closely with other functions to onboard high‑risk companies, update on review statuses, communicate compliance concerns, and answer query from relevant stakeholders.
Collaborate with product teams, operational leads, and compliance teams to manage operational impact of changes, increase operational efficiencies, and improve the customer experience.
Be accountable for the quality assurance of the Risk Assessment team, making decisions within our policy framework and working with compliance to evolve processes.
Extract concerns or issues identified from relevant operational incidents and report findings to senior management with recommended action to address deficiencies.
Support team leads on the implementation and delivery of ad‑hoc project work, participate in enhancing the compliance management knowledge of colleagues.
Assist the team with deep dives and audits at regional level when required.
Qualifications
Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts.
A minimum of 3+ years of relevant industry experience, ideally in financial services, compliance roles or at a financial services regulator.
Ability to work autonomously within a limited variety of well‑defined procedures and practices.
Capacity to take difficult decisions, work with uncertainty, deal with unknowns, and coordinate various sources of information within and outside the organisation.
Ability to make decisions and apply a risk‑based approach at work.
Capability to identify gaps in policies and processes and liaise with teams, other business units and stakeholders to resolve relevant issues.
Excellent interpersonal, communication, organisational and analytical skills, with an eye for detail and the ability to adhere to strict deadlines in a fast‑paced high‑pressure environment.
Proactive, enthusiastic and willing to get things done.
Ability to work in a diverse environment that requires collaboration, partnership and transparency.
Understanding of regional and global regulatory requirements and fundamentals of a risk‑based approach.
Strong analytical and problem‑solving capabilities.
Strong stakeholder management and interpersonal skills.
Analytical skills with the ability to provide practical and realistic solutions for minimising risk.
Comfortable working in a rapidly changing and complex environment.
Nice To Have
Bachelor’s degree in Finance, Business Administration, Law, or a related field.
Certifications such as ICA, CAMS or an equivalent EDD/AML certification.
Additional Information
Please apply by submitting your résumé in English (applications in Portuguese will not be considered).
Your first three months at Wise will be 100% fully in‑person at the office, Monday to Friday (9 AM – 5 12 PM).
After successfully passing probation the role will become hybrid (3 days in the office and 2 days working from home).
Work schedule is 36 hours per week (5 days a week, 7 hours and 12 minutes per day) with variable days off.
Expected start date: February 24th.
You must be legally authorised to work in Brazil.
Salary: 11 500.00 – 13 500.00 BRL gross per month.
RSUs in a rapidly growing company.
Flexible working model.
An annual self‑development budget.
Health and dental allowance for you and your dependents.
Company‑paid life insurance and an EAP program.
Paid time off: 30 days vacation + 3 “Me” days + 1 volunteer day, annually.
Paid 6‑week sabbatical leave after four years.
18‑week paid parental leave, after a year with us, and child‑care assistance.
Transportation vouchers.
Meal (708 BRL per month) and food (1 166 BRL per month) vouchers.
TotalPass access to 3 500 gyms and studios throughout Brazil.
Click here to learn more about the benefits we offer at Wise.
Our Culture
We’re people building money without borders – without judgement or prejudice. We believe teams are strongest when they are diverse, equitable and inclusive. We celebrate our differences and create an environment where every Wiser feels respected, empowered to contribute toward our mission, and able to progress in their careers.
If you want to learn more about what it’s like to work at Wise, visit Wise.Jobs. You can also keep up to date with life at Wise by following us on LinkedIn and Instagram.
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