High Risk Assessment Specialist

Location: Global

Team: General

About the Role

Wise is a global technology company building the best way to move and manage the world’s money with min fees, max ease, and full speed. As a High Risk Assessment Specialist in our General team, you will play a critical role in ensuring Wise’s adherence to regulatory and compliance standards. You will mitigate risks associated with high risk customers, maintain compliance with AML/CTF regulations, and apply Wise’s risk appetite, leveraging your advanced understanding of complex business structures, customer types, activities, and country-specific risks. This role offers a great opportunity to deepen your expertise in the KYC/AML domain. You will act as an escalation point for complex cases, perform enhanced due diligence, mentor teams, and collaborate with Product and FinCrime to innovate risk mitigation methods and enhance our compliance framework. Working globally from Tallinn or remotely, you will drive scalable, compliant business onboarding while improving operational efficiencies and customer experience. Join us to help create a new network for the world's money, for everyone, everywhere. With our flexible working, competitive salary (2775-3400 EUR monthly), and comprehensive benefits, you'll thrive in a diverse, fast-paced environment focused on transparency and partnership.

Key Responsibilities

• Act as an end point 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 in complex cases
• Perform risk assessment and enhanced due diligence on complex and high risk customers
• Review and analyze documentation such as AML, Sanctions, EDD, KYC, and Acceptable Use policies
• Assess the customer’s potential reputational and financial crime risk from Sanctions, PEP, and adverse media perspective
• Come up with new and better risk mitigation methods and improve compliance framework
• Escalate and report compliance concerns to Financial Crime Oversight and other teams
• Work closely with product teams, operational leads, and compliance teams to manage operational impact and improve customer experience

Required Qualifications

• Excellent verbal and written English skills (additional language skills are a plus)
• A minimum of 3+ years of relevant industry experience, ideally in financial services, compliance roles or at a financial services regulator
• Understanding of regional and global regulatory requirements and essentials of risk based approach
• Work autonomously within a limited variety of well-defined procedures and practices
• Ability to take difficult decisions, work with uncertainty, and coordinate various sources of information

Preferred Qualifications

• Experience in KYC/AML domain
• Knowledge of complex business structures and country-specific risks
• Background at a financial services regulator

Required Skills

• Excellent interpersonal and communication skills
• Strong organizational skills
• Attention to detail
• Analytical abilities
• Ability to adhere to strict deadlines in a fast paced environment
• Strong analytical and problem solving capabilities
• Strong stakeholder management skills
• Ability to identify gaps in policies and processes
• Risk-based decision making
• Comfortable working in a rapidly changing environment

Benefits

• RSUs (stock options)
• Flexible working
• Parental leave
• Learning budget
• Paid sabbatical after 4 years
• Health insurance
• Company retreat
• Wise card

Wise is an equal opportunity employer committed to building a diverse workforce.