As a Growth Analytics Manager in the Delivery team, you will lead a small team of Growth Analysts while owning incentive spending strategy for Eater and Merchant campaigns across your markets. You'll drive marketplace success by combining hands-on analytics with strong leadership, ensuring smart, data-backed decisions that maximise ROI and achieve higher growth at a lower cost. You will work closely with General Managers, Account Management, Operations, and local teams to turn insights into action. This role requires sharp business sense, strong analytical thinking, the ability to make quick decisions in ambiguous environments, and the ability to clearly communicate complex ideas. Ready to lead, optimise, and make a visible impact at scale?

KYC Operations Senior Analyst - SMA (Night shifts)

Wise

Tallinn, eeTäistööaeg1 näd tagasi

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 . The role Wise is looking for a KYC Operations Senior Analyst to join the Tallinn Senior Management Approval team to cover our night shifts. You will play a critical role in ensuring that Wise adheres to regulatory and compliance requirements. You will be responsible for conducting enhanced due diligence, analysing customer activities, behaviour patterns, and ensuring that our KYC records are kept up to date according to our internal standards. You will be responsible for assessing and approving onboarding customers in AML High Risk state and customers with touch points with High Risk 3rd Countries and Low Tax Jurisdictions according to regulatory standards. As a KYC Operations Senior Analyst, you will play a key role in supporting a financial crime program that is driven by Wise's mission for money without borders, transparency, and protecting customers. We are looking for someone with experience in enhanced due diligence, an excitement and desire to learn and grow with this new team, and strong organisational and communication skills. Job Responsibilities Review and assess high risk customer reports to provide analysis and approval as per the set policies and procedures. Review customer transaction history and provide insights into customer behaviour patterns that may indicate risks. Conduct periodic reviews and analyse changes in customers history and account usage. Exercise discretion in setting priorities, identifying customer records that require further review and taking action to obtain and follow-up on the information and/or documentation requested. Ensure that information and documentation provided by customers meet our risk appetite for onboarding and maintaining High Risk customers. Conduct in depth analysis, using provided documentation or external sources (e.g. websites and company registries) ensuring that only customers within risk appetite are onboarded. Perform searches utilising Internet sources and/or third-party vendors to obtain information on prospects and new/existing customers. Communicate with other internal teams when required to handle escalated or complicated cases. Provide guidance and responses to daily inquiries from peers, front-line and management regarding high risk approval matters and case analysis, when appropriate. Maintain high understanding of AML/CFT Regulations and how these impact the business, as well as Wise products and Services; When warranted, be capable of drafting SAR narratives to report activity deemed unusual. Taking part in and leading projects related to SMA Team processes and guidelines. Assist in identifying improvement opportunities and contribute to policy updates, training materials, and standard operating procedures. Draft reports to internal and external stakeholders, periodically and when requested. Have a deep understanding of different business models, customer types, country risks and regulatory requirements across multiple geographies; Support Wise in internal and external audits and regulatory process related queries reviews. Mentor, and support Senior Management Approval Analyst, by providing training and coaching to enhance team capabilities. Effective communication with customers by the relevant communication channels that Wise operates with (e.g. phone, email, and chat). Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team. Tasks that are related to the position and are assigned to you by your lead. Participating in meetings, training, internal and external events. Qualifications Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts. You have a minimum of 1 year working experience in EDD, AML or a similar Financial Crime compliance role, or a comparable role at another company. You have a good understanding of the regulatory framework surrounding customer verification, preferably from a market that Wise currently operates in. Flexible to work different night shifts. We work when our customers need us most, including early-night, mid-night, and late-night shifts, as well as weekends and public holidays, per business needs. You have a good understanding of AML/CFT Regulations and are able to effectively document your reasoning. Ability to take decisions and apply risk-based approach at your work Punctual, independent, proactive and willing to get things done. Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment. Ability to handle routine and stressful situations well. Ability to work autonomously within a limited variety of well-defined procedures and practices. Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established communication channels. You have familiarity with reading legal and regulatory documents. Nice to have: Education: Bachelor’s degree in Finance, Business Administration, Law, or related field Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused) Additional information About this Role: Job level: 3 Salary: 2400 - 2850 EUR gross/month Stock: To be reviewed at offer Work authorization (Estonia): Candidates with unrestricted right to work in Estonia (e.g., EU/EEA citizens, permanent residents, holders of non-employment-based residence permits such as spouse/family TRP, or long-term resident permit): No restrictions, apply freely. Candidates already residing in Estonia with a valid TRP for employment (linked to another employer): You are also eligible to apply, provided your TRP has a remaining validity of at least 120 days from the date of application . An administrative approval process (~40 days) will be required before your start date. No cost to you. Visa/work permit sponsorship is not available for this role. Candidates who do not currently have the right to work in Estonia and would require sponsorship to relocate are not eligible. If you hold a TRP for employment linked to another employer in Estonia , please include the following in your application or cover letter: Your current TRP full expiry date The role and employer your TRP is currently linked to This helps us assess timelines for your start date. Current night shift requirements: Night shift premium: 1.25x base salary for all hours between 22:00–06:00. Core shifts (assigned based on team capacity; we’ll ask your preference, but you must be comfortable with any): 18:00–02:00 20:00–04:00 22:00–06:00 Weekend shifts: This role includes two weekend shifts per month. Shift patterns are mandatory and may change based on business needs. We're processing applications continuously until roles are filled. Please mention in the "Message to the hiring team" field if you are interested in the Night shift role. Hiring process: Resume review Take-home test (reviewed by the team) Screening call with the Recruitment team Final interview with the SMA team 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 . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

KYC Operations Senior Analyst - SMA

Wise

Tallinn, eeTäistööaeg1 näd tagasi

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 . The role Wise is looking for a KYC Operations Senior Analyst to join the Tallinn Senior Management Approval team. You will play a critical role in ensuring that Wise adheres to regulatory and compliance requirements. You will be responsible for conducting enhanced due diligence, analysing customer activities, behaviour patterns, and ensuring that our KYC records are kept up to date according to our internal standards. You will be responsible for assessing and approving onboarding customers in AML High Risk state and customers with touch points with High Risk 3rd Countries and Low Tax Jurisdictions according to regulatory standards. As a KYC Operations Senior Analyst, you will play a key role in supporting a financial crime program that is driven by Wise's mission for money without borders, transparency, and protecting customers. We are looking for someone with experience in enhanced due diligence, an excitement and desire to learn and grow with this new team, and strong organisational and communication skills. Job Responsibilities Review and assess high risk customer reports to provide analysis and approval as per the set policies and procedures. Review customer transaction history and provide insights into customer behaviour patterns that may indicate risks. Conduct periodic reviews and analyse changes in customers history and account usage. Exercise discretion in setting priorities, identifying customer records that require further review and taking action to obtain and follow-up on the information and/or documentation requested. Ensure that information and documentation provided by customers meet our risk appetite for onboarding and maintaining High Risk customers. Conduct in depth analysis, using provided documentation or external sources (e.g. websites and company registries) ensuring that only customers within risk appetite are onboarded. Perform searches utilising Internet sources and/or third-party vendors to obtain information on prospects and new/existing customers. Communicate with other internal teams when required to handle escalated or complicated cases. Provide guidance and responses to daily inquiries from peers, front-line and management regarding high risk approval matters and case analysis, when appropriate. Maintain high understanding of AML/CFT Regulations and how these impact the business, as well as Wise products and Services; When warranted, be capable of drafting SAR narratives to report activity deemed unusual. Taking part in and leading projects related to SMA Team processes and guidelines. Assist in identifying improvement opportunities and contribute to policy updates, training materials, and standard operating procedures. Draft reports to internal and external stakeholders, periodically and when requested. Have a deep understanding of different business models, customer types, country risks and regulatory requirements across multiple geographies; Support Wise in internal and external audits and regulatory process related queries reviews. Mentor, and support Senior Management Approval Analyst, by providing training and coaching to enhance team capabilities. Effective communication with customers by the relevant communication channels that Wise operates with (e.g. phone, email, and chat). Perform your tasks and responsibilities within the expected key performance indicators set by the leadership team. Tasks that are related to the position and are assigned to you by your lead. Participating in meetings, training, internal and external events. Qualifications Excellent verbal and written English skills (additional language skills are a plus) with the ability to clearly articulate your thoughts. You have a minimum of 1 year working experience in EDD, AML or a similar Financial Crime compliance role, or a comparable role at another company. You have a good understanding of the regulatory framework surrounding customer verification, preferably from a market that Wise currently operates in. Flexible to work in shifts. We work when our customers need us the most including early mornings, day times, afternoons, late evenings, weekends and public holidays as per business needs. You have a good understanding of AML/CFT Regulations and are able to effectively document your reasoning. Ability to take decisions and apply risk-based approach at your work Punctual, independent, proactive and willing to get things done. Excellent communication and interpersonal skills, strong organisational skills, attention to detail, analytical skills, and ability to adhere to strict KPIs in a fast paced and high pressure environment. Ability to handle routine and stressful situations well. Ability to work autonomously within a limited variety of well-defined procedures and practices. Capable of identifying gaps in policies and processes and providing detailed feedback, including examples when possible, through the established communication channels. You have familiarity with reading legal and regulatory documents. Nice to have: Education: Bachelor’s degree in Finance, Business Administration, Law, or related field Certifications: ICA, CAMS, or equivalent certification (EDD/AML focused) Additional information About this Role: Job level: 3 Salary: 2400 - 2850 EUR gross/month Stock: To be reviewed at offer Work authorization (Estonia): Candidates with unrestricted right to work in Estonia (e.g., EU/EEA citizens, permanent residents, holders of non-employment-based residence permits such as spouse/family TRP, or long-term resident permit): No restrictions, apply freely. Candidates already residing in Estonia with a valid TRP for employment (linked to another employer): You are also eligible to apply, provided your TRP has a remaining validity of at least 120 days from the date of application . An administrative approval process (~40 days) will be required before your start date. No cost to you. Visa/work permit sponsorship is not available for this role. Candidates who do not currently have the right to work in Estonia and would require sponsorship to relocate are not eligible. If you hold a TRP for employment linked to another employer in Estonia , please include the following in your application or cover letter: Your current TRP expiry date The role and employer your TRP is currently linked to This helps us assess timelines for your start date. Current shift requirements: Two weekend shifts per month Three 12:00–20:00 evening shifts per month Three 14:00–22:00 evening shifts per month The remaining shifts are typically 09:00–17:00 These shift requirements are mandatory and may change based on team and business needs. Hiring process: Resume review Take-home test (reviewed by the team) Screening call with the Recruitment team Final interview with the SMA team 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 . Keep up to date with life at Wise by following us on LinkedIn and Instagram .

Engineering Lead - Transaction Processing

Wise

Tallinn, eeTäistööaeg1 näd tagasi

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 . The role At Wise, our powerful spending infrastructure has allowed customers to spend their funds anywhere in the world with ease. Now, for the first time we will be allowing our customers to spend on a fair and transparent credit card. We are building an international credit program for our personal and business customers. We are looking for an Engineering Lead who can join us to build out the first credit offering from Wise and ensure we can build a transparent, reliable and trustworthy system that complies to local regulations around the world and serves our global market. As the Engineering Lead, you will work with product, and begin to build our roadmaps, hire teams and develop this greenfields initiative. You will mentor engineers, and help define the product and team's missions to build out high performance teams, and an exceptional product. About the Role Transaction Processing team is looking for an Engineering Lead to join an existing team that owns transaction processing . You’ll be responsible for the full transaction lifecycle, from authorisation and tokenisation to clearing, as well as managing complex integrations with card schemes. With our customers spending 44 billion using cards, you’ll focus on ensuring the scalability and reliability of our services, while minimising friction for our customers as they use our products. You’ll lead the team responsible for these critical infrastructure components, ensuring our systems remain performant and resilient as we scale. You will be a key driver of the team's technical roadmap and strategy, partnering with product and engineering leaders across Transaction Processing to support our international growth. You will be responsible for owning the systems that underpin our transaction processing capabilities, ensuring they are built for scale, reliability, and low latency. You’ll drive technical excellence by guiding architectural decisions, enhancing our integration capabilities with card schemes, and ensuring that our services can handle the massive transaction volume our customers generate. You will lead, coach, and mentor a talented group of engineers, fostering a culture of technical ownership, stability, and continuous improvement. You will balance immediate operational needs with long-term architectural investments, ensuring our platform evolves to meet our customers' needs without compromising quality or reliability. You will be a strong owner of your product space, navigating complex priorities to deliver robust, scalable solutions that set the standard for our transaction processing capabilities. Technical Responsibilities Owning a technical roadmap to ensure that our product is maintained to high standards. Lead the development of new solutions. Drive initiatives from the ground up to develop entirely new products for our customers. Serve as a technical expert for the broader credit domain Build with the future in mind, what we build today can be a platform for other products tomorrow. Provide hands-on technical leadership, guiding the team on architectural design, code reviews, and best practices. Ensuring code quality, consistency, and maintainability through code reviews and best practices. Leadership Responsibilities Lead and mentor a diverse team of engineers (junior and senior), fostering a supportive environment that promotes technical growth. Participate and drive product roadmapping and strategy sessions with the product management team. Work closely with other Engineering Leads, Staff Engineers, and Product to shape the team’s and squad’s technical roadmaps. Help the team navigate complex priorities and make trade-offs to deliver solutions that reduce risk and unlock growth. Act as a key representative of the team, collaborating with stakeholders across the company and leading projects from the beginning till the release. In particular, work closely with the Business squad, Spend squad and Account Squad to help define the Wise Business spending experience for our customers. Qualifications What we're looking for Technical Excellence You have a strong background in software engineering, with experience designing and building complex, scalable systems. You have demonstrated 0 to 1 experience in your career. You are an expert in delivering reliable and robust services in a production environment. You are comfortable working on a complex domain and guiding a team through technical challenges. You have experience working with distributed systems, and are as comfortable discussing technical tradeoffs as you are team direction. Ideally some hands on experience with front end development, though not essential. Product Mindset You have a strong sense of ownership and the ability to think beyond technical implementation to understand how your work impacts the business and our customers. You are comfortable working in an autonomous environment, and can conceptualise and drive initiatives forward to completion. Experience working closely with product and stakeholders to define requirements and prioritise the most impactful work. Leadership Skills You are an empathetic leader with a track record of mentoring and coaching engineers at all levels. You can lead by example, inspiring your team to produce high-quality, maintainable code. You are an excellent communicator, capable of articulating technical concepts to both technical and non-technical audiences. Ideal Background Experience leading a team in a payments, fintech, or other complex, high-stakes domain. Prior experience working on a team with a global, distributed setup. Experience building systems that serve enterprise clients at scale. Previous experience scaling teams and systems for global reach. A strong foundation in distributed systems, and cloud architecture. Why join us Your contributions will directly impact hundreds of thousands businesses that trust Wise to manage their money. The solutions you develop will play a crucial role in sustaining and accelerating Wise’s growth, ensuring that our product offering stays a step ahead of our customer's needs and global market demands.You'll be working in a highly collaborative environment with a highly skilled team while gaining exposure to several complex domains and the chance to shape and grow the team as its scope expands. 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 . Keep up to date with life at Wise by following us on LinkedIn and Instagram .