Senior Compliance Specialist - AML/Fraud Controls

Wise is looking for a Senior Compliance Specialist to join the North America Financial Crime Compliance Oversight team in Austin, TX. The successful candidate will be an individual contributor and subject matter expert for AML and Fraud controls across the US and Canada.

Responsibilities:

• Provide second-line oversight of AML and Fraud controls across the US and Canada, including customer due diligence, investigations, and fraud risk controls.
• Review and challenge first-line control design, performance, and changes, including new products or features; recommend proportionate improvements and escalate material issues.
• Advise regional and global teams on applicable US and Canadian AML/CTF requirements and Wise policies, translating obligations into practical control expectations.
• Use management information, key risk indicators, and control evidence to identify trends, exceptions, and gaps; agree actions and track remediation through closure.
• Contribute to financial crime risk assessments and horizon scanning, helping ensure relevant AML/Fraud developments are reflected in controls.
• Support suspicious activity/transaction reporting governance, including the US SAR Committee where relevant, and provide clear analysis and control feedback.
• Prepare concise, decision-ready documentation and support responses to auditors, regulators, and partners within your scope.
• Own medium-complexity work end-to-end and share expertise through onboarding, coaching, and knowledge sharing.

Requirements:

• Strong working knowledge of US and Canadian AML/CTF requirements and hands-on experience with AML and Fraud controls in a financial institution, fintech, money services business, or consulting environment.
• Experience reviewing, challenging, or improving controls and investigations, and can connect regulatory requirements, risk, and customer impact.
• Ability to identify material issues, make sound risk-based recommendations, and know when to decide independently or escalate.
• Experience managing medium-complexity work from start to finish, prioritizing competing deadlines, and keeping stakeholders aligned with minimal direction.
• Excellent communication skills, with the ability to write and speak clearly, simplify complex information, and constructively challenge stakeholders.

Nice to haves:

• Certified Anti-Money Laundering Specialist (CAMS), or similar professional certification.
• Experience contributing to financial crime or enterprise risk assessments.
• Experience with suspicious activity/transaction reporting, transaction monitoring, and/or fraud investigations.
• Experience using management information/key risk indicators, control effectiveness testing, model validation, or tuning to identify risk and drive action.
• Experience training, onboarding, or mentoring colleagues.

Benefits:

• Salary range: $82,000 - $110,000 USD annually.
• Restricted Stock Units (RSUs).
• Medical, dental, & vision insurance, including HSA and FSA options.
• Company-paid: Life Insurance, AD&D Insurance, Short & Long-Term Disability, and an EAP program.
• 25 days of PTO + 11 paid banking holidays + 10 paid sick days + a paid volunteer day, annually.
• 16-weeks of paid parental leave, after a year with the company.
• 401k with up to a 4% employer match.
• 6-week paid sabbatical after 4 years with the company.