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.
Our Commitment to Diversity, Equity and Inclusion
At Wise, we are on a mission to build money without borders. This mission requires a diverse team that reflects our global customer base. This position is fully open to Persons with Disabilities (PwD). We are committed to providing reasonable accommodations or adjustments where required throughout the recruitment process and your career with us to ensure you can perform at your best.
More about our mission and what we offer.
Job DescriptionAs a FinCrime Operations Investigator, you will play a critical role in safeguarding Wise and its customers from financial crime. You will be responsible for investigating and analyzing customer accounts, transactions and activities on our platform to detect and prevent money laundering, fraud, and other illicit activities. You will leverage your expertise to identify suspicious patterns, conduct thorough investigations, and ensure compliance with AML/CTF regulations and internal policies and procedures, all while adhering to Wise’s risk appetite. This role offers a unique opportunity to deepen your expertise in the FinCrime domain, contribute to a rapidly growing global company, and make a tangible impact on protecting our users and the integrity of our platform.
Job Responsibilities
- Conduct in-depth investigations of potentially suspicious activity, utilizing both internal and external data sources.
- Analyze complex financial transactions and customer behavior to identify patterns indicative of money laundering, fraud, or other financial crimes.
- Evaluate and assess alerts generated by transaction monitoring systems and other detection tools.
- Gather and analyze supporting documentation, including KYC information, transaction records, and other relevant data.
- Review and interpret data to identify patterns and potential risks associated with financial crime. Support the team in making informed decisions based on data insights.
- Prepare detailed and comprehensive investigation reports, documenting findings and recommendations.
- Act as a point of escalation for complex FinCrime cases from other operations teams, providing guidance and expertise.
- Mentor and train other team members on FinCrime investigation techniques and best practices.
- Collaborate with product and engineering teams to improve fraud detection rules, processes, and system enhancements.
- Stay up-to-date on emerging FinCrime trends, typologies, and regulatory changes.
- Communicate effectively with internal stakeholders, including compliance, legal, and customer support teams.
- Liaise with financial institutions and law enforcement agencies as needed.
- Participate in ad-hoc projects and initiatives related to FinCrime prevention and detection.
- Maintain accurate and complete records of all investigations and related activities.
- Provide input on process improvements and backlog exercises.
- Complete all company-assigned mandatory, refresher or ad hoc trainings on time and with diligence.
- Customer Communication: Communicate clearly, professionally, and empathetically with customers via approved channels to obtain necessary details or clarifications for reviews, always upholding our high customer experience standards. A key part of this involves avoiding unnecessary customer contacts and preventing delayed case resolutions. All communication must be precisely tailored to ensure clarity and efficiency.
- KPIs: Take a proactive approach to consistently achieve individual and team targets (KPIs, SLAs, QA), demonstrating a strong commitment to both quality and speed. This includes meeting deadlines reliably, optimizing processing times, and taking full ownership and accountability for all responsibilities to deliver exceptional results.
- Other: Perform additional tasks as assigned by your lead, demonstrating adaptability and a proactive approach. This includes actively participating in meetings, training, and internal events to support broader team and company objectives.
- Accessible Communication: Communicate clearly and empathetically with customers via approved channels. We provide assistive technologies and support for alternative communication methods (written, visual, or digital) as needed.
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.
Skills Required
- Experience investigating AML/CTF and financial crime cases
- Ability to analyze complex financial transactions and transaction monitoring alerts
- Familiarity with KYC processes and obtaining supporting documentation
- Experience preparing detailed investigation reports and documenting findings
- Experience liaising with financial institutions and law enforcement
- Strong written and verbal communication skills for customers and internal stakeholders
- Experience mentoring or training other investigators
- Familiarity with transaction monitoring systems and other detection tools
- Proven ability to meet KPIs, SLAs and quality standards
- Knowledge of AML/CTF regulations and compliance frameworks
Wise Compensation & Benefits Highlights
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Equity Value & Accessibility — Equity is broadly accessible through RSUs granted to all employees in addition to salary, aligning rewards with company performance. This company‑wide ownership stance is consistently highlighted in the benefits descriptions.
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Leave & Time Off Breadth — Paid time off is notably generous, with a global minimum of 33 days and 36 days listed for U.S. locations. After four years, a six‑week paid sabbatical plus a £1,000 stipend further strengthens time‑away benefits.
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Wellbeing & Lifestyle Benefits — Lifestyle support includes work‑from‑anywhere for up to 90 days per year after six months, flexible working principles, and a 24/7 Employee Assistance Program. Extras like three annual “Me Days” and a professional‑development allowance add quality‑of‑life value.
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What We Do
Wise is a global technology company, building the best way to move and manage the world's money. With Wise Account and Wise Business, people and businesses can hold 40 currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too; an entirely new network for the world's money. Launched in 2011, Wise is one of the world’s fastest growing, profitable tech companies. In fiscal year 2025, Wise supported around 15.6 million people and businesses, processing over $185 billion in cross-border transactions and saving customers around $2.6 billion.
Why Work With Us
We’re truly global in who we are, how we work, and how we build. Everything we do is centred around creating a world of money that’s fast, easy, fair. And open to all. Everyone who works here owns a piece of Wise, from the work they do, to the stock they hold.
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Wise Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We expect new joiners in the office most days to build connections and learn from colleagues for their first six months. After that, most Wisers split their working week between the office and home, typically coming in at least 12 times a month.
