Principal Product Manager – Financial Crime

Company Description

At Wise we’re building money without borders, for people without borders. Our mission is to make moving money around the world instant, transparent, convenient and eventually free. Wise now has millions of customers all over the world who trust us to manage their money and make it easier to live an international life. Sending, receiving, spending and holding - anywhere in the world.

Job Description

Your Mission:

In this role, you'll be working as part of the Europe and UK regional team. As a licensed institution serving millions of customers in Europe and the UK, preventing financial crime and misuse of Wise is of pivotal importance.

You'll own some of Europe & UK's highest-stakes financial crime controls end to end: from the regulatory requirement, to building the control, to the data that proves the control works. This isn't a policy role. You'll decide what to build, ship it with engineering, and be the person who can answer "is this control actually working?" with evidence.

The bar is high on both sides. A control that misses risk puts our licences at stake. A control that goes too far blocks honest customers and floods our operations teams. Your job is to find the version that does neither. More and more, that means rethinking a control with automation and AI instead of adding another manual step.

What You'll Own

- The roadmap for a set of KYC/CDD, EDD and ongoing controls across Europe and the UK, from discovery through launch and iteration
- Key Risk Indicators (KRIs) for your area. When one trends the wrong way, you find the root cause, ideate a solution and prioritise accordingly 
- Turning regulation, audit findings and internal reviews into controls that measurably work, with clear success metrics, guardrails, monitoring and evidence
- Regional fit for global controls. You'll bring improvements from our Global Due Diligence and Financial Crime Prevention teams into Europe and the UK, and push back when the regional answer needs to be different
- Controls that require less manual review and reduce  friction for legitimate customers, using AI and automation where they genuinely help
- Controls built into launches, not bolted on afterwards, so every new product or feature in Europe and the UK goes live with the right controls in place

This Role Will Give You the Opportunity to:

- Have a significant impact on the safety and security of Wise and its customers, and on our relationship with our regulators
- Take regulatory requirements and deliver controls that measurably work
- Work on problems where the stakes are real: our licences, our relationships with regulators, and millions of customers' access to their money
- Work where product, regulation and data meet, which few PM roles offer in this depth
- Build practical AI and automation into controls that have to stand up to regulatory scrutiny
- Work with a talented, diverse team to develop and implement innovative ways to prevent financial crime
- Make data-driven decisions about customers in scope of controls, how controls perform and where to invest next
- Influence and motivate a cross-functional team, fostering a culture of ownership, responsiveness, and excellence

Qualifications

Skills That Might Describe You:

- Proven experience in product management, risk, compliance or controls delivery in a heavily regulated industry (e.g. payments, banking, fintech)
- Familiarity with financial crime frameworks - KYC/CDD, EDD, verification and ongoing due diligence - and how regulatory expectations translate into product controls
- Strong analytical ability - comfortable working with large data sets (SQL is a plus) and performing analyses to size populations, test hypotheses and evidence control effectiveness
- Strong execution skills - able to run multiple high-priority workstreams against fixed deadlines without losing attention to detail
- Skilled in cross-functional collaboration, and able to influence the roadmaps of teams you don't manage directly
- Ability to zoom out and think about the broader problem - fixing the root cause and the forward-looking control, not just the backlog
- Comfortable with ambiguity, and pragmatic about balancing regulatory risk, customer experience and operational cost
- Excellent communication skills, proficient in English, able to explain complex issues clearly to both technical and non-technical stakeholders and to work effectively in a diverse, multinational environment

Strong Additional Signals

- Experience testing or assuring that controls work
- You've turned audit findings, regulatory findings or remediation work into product improvements
- Experience with AI, LLMs, decisioning systems or automation in an operational setting
- Familiarity with UK/EU anti-money laundering rules (FCA, AMLD/AMLR), or experience working directly with regulators

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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