AML Senior Product Compliance & Risk Manager - APAC

About the Position

AML Senior Product Compliance & Risk Manager - APAC

We are seeking an experienced AML expert to strengthen Wise's AML risk management across its APAC markets.

Compensation: SGD 165000 - SGD 217500 - yearly

Location: Singapore

Employment Type: Full-time

Responsibilities

Shape APAC’s AML risk and control priorities

• Lead APAC PC&R’s assessment of ML/TF typologies, control coverage, and control effectiveness across our APAC markets
• Work closely with local APAC market PC&R Managers to create a coherent regional view of AML risks, gaps, and priorities
• Identify and prioritize opportunities to introduce new controls or enhance existing controls - supported by clear problem statements, evidence, expected outcomes, and relevant market context

Turn regional insight into control improvements

• Translate AML risks and regulatory expectations into clear outcomes and requirements for the relevant Product, Analytics, and Engineering teams
• Represent APAC in the design and localization of controls developed by global AML Product, Analytics, and Engineering - ensuring material regional nuances are considered from the outset
• Identify new APAC control opportunities and develop evidence-backed proposals that regional or global Product teams can evaluate and prioritize

Strengthen control effectiveness across the lifecycle

• Provide AML expertise throughout the control lifecycle: from typology and red flag identification through design, testing, deployment, and ongoing monitoring / assurance
• Work with AML Operational teams to understand how ML/TF risks manifest in practice and develop a deep understanding of operational handling to identify improvement areas
• Support cross-functional decisions by making the relevant evidence, trade-offs, dependencies, limitations, and residual risks clearly understood and visible

Build a robust, joined-up regional capability

• Connect AML work with adjacent areas (e.g. KYC, Customer Risk Assessment, and Fraud) where layered controls or shared risk indicators can produce better outcomes
• Communicate APAC risks, evidence gaps, recommendations, and progress clearly to regional and global stakeholders
• Support regulatory engagements on AML topics across APAC, including coordinating responses to regulator requests and participating in regulatory inspections/exams
• Build strong working relationships across regional and global PC&R, Product, Analytics, Engineering, Operations, and Compliance teams

Requirements

Must have

• Minimum 7+ years in payments, fintech, banking, or other relevant financial services roles
• Experience in AML model or scenario development, tuning, validation, and governance
• Experience of engagements with APAC regulators and external auditors
• High levels of ownership and autonomy, the ability to proactively identify improvement opportunities or areas of elevated risk, and the ability to drive work from inception to completion at pace with limited oversight

Nice-to-have

• Experience in other financial crime domains in addition to AML - e.g. KYC, Customer Risk Assessment, Fraud
• Experience using SQL or other analytical tools
• Willingness to travel, as Wise offices and our global AML Product teams are located across different countries

About the Company

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.

We Offer

• Competitive salary
• Opportunity to work in a diverse and inclusive environment
• Professional growth and development opportunities

About You

• You have deep practical experience in AML/CFT matters across APAC - and have worked with both globally-led and locally-adapted AML/CFT control environments
• You can evidence how you have translated regulatory guidance, typology analysis, and internal data into specific red flags, requirements, and measurable outcomes
• You have strong technical fluency and can work credibly with Product Managers, Analysts, Data Scientists, and Engineers
• You can influence teams whose priorities and reporting lines you do not control - including global specialist teams and local market stakeholders
• You are comfortable operating with ambiguity, challenging constructively, and making evidence-backed recommendations
• You can clearly communicate complex financial crime risks to technical, compliance, and non-technical audiences
• You take a practical, risk-based, and customer-oriented approach - rather than defaulting to advisory-only or overly-conservative solutions
• You are motivated by building capability and improving operating models - not simply maintaining an existing programme

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.

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