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.
Job DescriptionWe're looking for an experienced Senior Product Engineer to join the Risk & Control Governance team / Risk Assessment Group. You'll be instrumental in building the governance, assurance, and data foundations that ensure every risk decision at Wise is consistent, explainable, auditable, and continuously monitored.
This role works at the intersection of the Risk API platform, Product, and Financial Crime (FinCrime) teams — offering a unique opportunity to build the systems that give Wise confidence in every risk assessment it operates at scale.
You will be the driving force behind the platform's trustworthiness and integrity, focusing on:
Data Governance: Building and maintaining data ownership, lineage, and quality monitoring systems that ensure every risk decision is powered by trusted data.
Control Assurance: Designing continuous monitoring and validation systems that verify controls perform as intended — including trigger validation, drift detection, coverage analysis, and control health scoring.
Auditability & Explainability: Implementing end-to-end audit trails, change history tracking, and explainability tooling that enables one-click regulatory evidence generation.
Scalable Solutions: Designing robust, high-throughput solutions that handle large volumes of data and can be quickly understood and scaled across multiple distinct risk domains.
What will you be working on?
You will join the team at a pivotal moment, with your contributions being immediately visible and critical to the success of the entire Risk Assessment platform's governance layer.
The core challenge for the team — and your immediate focus — is to build the assurance and governance foundations that the platform currently lacks, ensuring every control can answer: Was the right trigger used? Was the right data available? Was the right decision made? Is the control still effective?
Your immediate impact will be to:
Build Data Trust: Implement data quality monitoring, data contracts, and lineage tracking that give the organisation full traceability from risk decisions back to source data.
Deliver Continuous Assurance: Design and build automated monitoring systems that continuously validate control effectiveness — detecting drift, false positives/negatives, and coverage gaps before they become incidents.
Enable Auditability: Create audit trail infrastructure and explainability tooling that dramatically reduces the effort required for regulatory reporting and compliance evidence generation.
Integrate with Risk API: Work closely with the Risk API team to embed governance and assurance capabilities into the core platform, ensuring clean integration points and shared data contracts.
What do you need?
Strong Backend Engineering: Proven experience building high-throughput, data-intensive systems in Java. Hands-on expertise with Kafka, SQL and NoSQL databases, and designing for scale and reliability.
Data Engineering Aptitude: Experience with data quality frameworks, pipeline orchestration, or lineage tracking. You understand what it takes to make data trustworthy at scale.
Systems Thinking: Ability to reason about complex distributed systems, identify failure modes, and design solutions that are both robust and operationally simple.
Ownership & Autonomy: Comfortable operating with ambiguity, defining your own work from high-level objectives, and driving delivery end-to-end without close direction.
Collaborative Mindset: Ability to work effectively across team boundaries — particularly with the Risk API team, Product, and FinCrime stakeholders — to align on contracts, data models, and integration patterns.
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
- Proven experience building high-throughput, data-intensive backend systems in Java.
- Hands-on expertise with Kafka, SQL databases, and NoSQL databases, including designing for scale and reliability.
- Experience with data quality frameworks, pipeline orchestration, or lineage tracking.
- Ability to reason about complex distributed systems, identify failure modes, and design robust, operationally simple solutions.
- Ability to operate with ambiguity, define work from high-level objectives, and drive delivery end-to-end autonomously.
- Ability to collaborate across team boundaries with Risk API, Product, and Financial Crime stakeholders on contracts, data models, and integration patterns.
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.
Wise Insights
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.
