Senior AML Product Compliance & Risk Manager - APAC

About the role

Wise is looking for an experienced AML expert to strengthen how it identifies and manages money laundering and terrorist financing risk across its APAC markets. This is an individual contributor role in the first-line Product Compliance & Risk (PC&R) team, based in Singapore and reporting to the Group Product Compliance Lead for APAC FinCrime. You will be the accountable PC&R owner for APAC AML risk and control effectiveness, bringing together regional regulatory expectations, local typology knowledge and internal risk evidence.

Key responsibilities

• Shape APAC's AML risk and control priorities and lead assessments of ML/TF typologies, control coverage and effectiveness.
• Work with local APAC market PC&R managers to build a coherent regional view of AML risks, gaps and priorities.
• Identify and prioritise opportunities to introduce new controls or enhance existing ones, with clear problem statements, evidence and expected outcomes.
• Translate AML risks and regulatory expectations into requirements for Product, Analytics and Engineering teams, and represent APAC in the design and localisation of global controls.
• Provide AML expertise across the control lifecycle: typology and red flag identification, design, testing, deployment and ongoing monitoring and assurance.
• Work with AML Operational teams to understand how ML/TF risks play out in practice and support cross-functional decisions with clear evidence and trade-offs.
• Connect AML work with adjacent areas such as KYC, Customer Risk Assessment and Fraud, and communicate risks, evidence gaps and recommendations to regional and global stakeholders.
• Support regulatory engagements across APAC, including coordinating responses to regulator requests and taking part in inspections and exams.

Required profile

• Minimum 7+ years in payments, fintech, banking or other relevant financial services roles.
• Deep practical experience in AML/CFT across APAC, with both globally-led and locally adapted control environments.
• Experience in AML model or scenario development, tuning, validation and governance.
• Experience engaging with APAC regulators and external auditors.
• Nice to have: experience in other financial crime domains such as KYC, Customer Risk Assessment and Fraud; willingness to travel.

Required skills

• Ability to turn regulatory guidance, typology analysis and internal data into red flags, requirements and measurable outcomes.
• Strong technical fluency with Product Managers, analysts, data scientists and engineers.
• Nice to have: SQL or other analytical tools.