Scheme Compliance Function Lead

We are looking for a Scheme Compliance Function Lead to join our Spend & Card Issuance Team in London. This role will focus on leading issuer-side scheme compliance and card disputes frameworks across Visa and Mastercard programs.

As a Scheme Compliance Function Lead, you will develop and execute a 1–3 year Spend Scheme Compliance strategy that aligns with Wise's business objectives and translates into clear quarterly priorities. You will act as the accountable leader and key stakeholder for all issuer-side scheme topics across Visa and Mastercard programs, including BIN management, thresholds, and rule interpretations.

Key responsibilities include:

• Managing and developing a team of Compliance Product Specialists
• Owning Card Disputes Compliance end-to-end across fraud and non-fraud disputes
• Leading launch integrity for new issuance initiatives
• Overseeing scheme compliance across the issuer supply chain
• Establishing early-warning monitoring programs for scheme KPIs
• Leading high-stakes negotiations and external relationship management with Visa and Mastercard
• Designing and maintaining a robust control framework
• Driving continuous improvement by establishing scalable mechanisms

This role offers the opportunity to choose your path to impact, be extremely hands-on, and be part of our mission to make money without borders the new normal.

Qualifications:

• Extensive experience in leading issuer-side scheme compliance and disputes operations (Visa and Mastercard) within fintech, banking, or payments
• Proven track record of operationalizing scheme rules, managing threshold monitoring programs, and delivering audit-ready control frameworks
• Excellent communication and negotiation skills
• Deep knowledge of the card issuance supply chain
• Demonstrable ability to evaluate complex scheme rules and incident scenarios
• Strong leadership and team development skills