{"id":4334888,"url":"https://alion.io/job/modelwise-scheme-compliance-function-lead","title":"Scheme Compliance Function Lead","company":{"id":4410409,"name":"Modelwise","domain":"modelwise.ai","url":"https://alion.io/company/modelwise-gmbh","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Career sitemap","truth_index":{"grade":"A","score":100,"open_postings":329,"ghost_share":0.012,"stale_share":0.152,"repost_share":0.061,"time_to_fill_p50_days":20,"computed_at":"2026-11-15T07:52:55Z"}},"role":"Legal","role_family":"Legal","seniority":"lead","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":1,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-08-19T12:54:17Z","employer_posted_date":"2026-08-19","last_verified_at":"2026-11-15T10:42:22Z","board_verified":true,"closed_at":null,"days_open":87,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":87},"description":"Company Description\nWise is a global technology company, building the best way to move and manage the world’s money.\nMin fees. Max ease. Full speed.\nWhether 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.\nAs part of our team, you will be helping us create an entirely new network for the world's money.\nFor everyone, everywhere.\nMore about our mission and what we offer.\nJob Description\nWe’re looking for a Scheme Compliance Function Lead to join our Spend & Card Issuance Team in London.\nThis role will focus on leading issuer-side scheme compliance and card disputes frameworks across Visa and Mastercard programs. It's a unique opportunity to build on your regulatory and commercial expertise, help deliver Wise’s mission of money without borders, and grow within a global, fast-paced environment while ensuring our card issuance operations remain compliant, secure, and built to scale.\nWise is a fast-growing business, so we expect that the right candidate will be able to clearly demonstrate exceptional behaviors and risk leadership that have resulted in scalable, compliant outcomes and material risk reduction in prior organizations.\nYour mission:\nAt Wise, our mission is to make money borderless - and Scheme Compliance plays a key role in making that happen. We establish robust control frameworks and operational governance that ensure Wise meets scheme obligations, protects customer outcomes, and drives maximum value from our card issuance ecosystem. Our goal? To make launching and operating card programs at Wise as compliant, resilient, and frictionless as sending money across borders.\nScheme Compliance sits within our Spend & Card Issuance function, overseeing issuer obligations, monitoring programs, launches, and vendor governance. We’re a dedicated team that supports the business across all Visa and Mastercard product flows.\nThis is your chance to help shape what Scheme Compliance looks like at Wise - providing high evidence standards, building scalable processes, driving product integrity, and helping us create a best-in-class global issuer compliance function!\nYour mission is to enable, protect, and empower the business and people of Wise by ensuring our card products meet scheme rules, mitigate fraud and dispute risks, flow through frictionless operations, and support our global growth.\nAbout the Role:\nDevelop and execute a 1-3 year Spend Scheme Compliance strategy that aligns with Wise's business objectives and translates into clear quarterly priorities.\n\nAct as the accountable leader and key stakeholder for all issuer-side scheme topics across Visa and Mastercard programs, including BIN management, thresholds, and rule interpretations.\n\nManage and develop a team of Compliance Product Specialists, helping them navigate complex scheme environments through effective coaching, performance management, and clear role definitions.\n\nOwn Card Disputes Compliance end-to-end across fraud and non-fraud disputes, ensuring rules are operationalised, risks are governed, and recovery rates are optimised.\n\nLead launch integrity for new issuance initiatives (BINs, chip profiles, market expansions), ensuring correct-first-time scheme submissions and go/no-go readiness.\n\nOversee scheme compliance across the issuer supply chain, including processors, 3DS/authentication providers, tokenisation partners, and card personalisation vendors.\n\nEstablish early-warning monitoring programs for scheme KPIs (fraud, disputes, thresholds) to prevent fee escalation or enforcement actions.\n\nLead high-stakes negotiations and external relationship management with Visa and Mastercard, setting the tone for Wise advocacy and commitment tracking.\n\nDesign and maintain a robust control framework, leading audit readiness and managing executive responses for scheme, external, and internal queries.\n\nDrive continuous improvement by establishing scalable mechanisms, including automated dashboards, standardised templates, and playbooks that reduce manual tasks and single points of failure.\n\nThis role will give you the opportunity to:\nChoose your path to impact. As a Lead, you’ll take ownership from day one, backed by smart, curious people across Wise while enjoying high levels of autonomy.\n\nBe extremely hands-on. We don't have far-away leaders at Wise; you’ll be directly leading escalations, shaping controls, and executing solutions yourself.\n\nBe part of our mission to make money without borders the new normal.\n\nQualifications\nAbout you:\nExtensive experience in leading issuer-side scheme compliance and disputes operations (Visa and Mastercard) within fintech, banking, or payments.\n\nProven track record of operationalizing scheme rules, managing threshold monitoring programs, and delivering audit-ready control frameworks.\n\nExcellent communication and negotiation skills, with a track record of successfully influencing senior internal leaders and external scheme executives.\n\nDeep knowledge of the card issuance supply chain, including processors, tokenization, 3DS authentication, and dispute tooling.\n\nDemonstrable ability to evaluate complex scheme rules and incident scenarios, translating them into pragmatic product and operational requirements.\n\nStrong leadership and team development skills, with experience coaching specialists to drive cross-functional outcomes under ambiguity.\n\nA get-it-done, collaborative approach to problem-solving with a focus on building scalable systems.\n\nAdditional Information\nFor 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.\nWe're proud to have a truly international team, and we celebrate our differences.\nInclusive 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.\nIf you want to find out more about what it's like to work at Wise visit Wise.Jobs.\nKeep up to date with life at Wise by following us on LinkedIn and Instagram.","description_format":"text","description_chars":6191,"description_truncated":false,"requirements":{"experience_years_min":1,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Simulation & Digital Twin Software","Industrial AI","Manufacturing & Industrial Software"],"lifecycle":[{"event":"open","at":"2026-11-15T10:42:22Z"}],"visa":[],"liveness":{"score":10,"band":"cold","label":"Long shot","p_open":1,"p_active":0.374,"p_room":0.28,"age_days":87,"expected_fill_days":20,"reasons":["conf:1","win:tail","crowd:brand"],"computed_at":"2026-11-15T12:30:25Z"},"pay":null,"html_url":"https://alion.io/job/modelwise-scheme-compliance-function-lead","json_url":"https://alion.io/job/modelwise-scheme-compliance-function-lead.json","meta":{"generated_at":"2026-11-15T12:30:25Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":2481,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-16T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":4410409},"rest":"https://alion.io/mcp/rest/get_company?id=4410409"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fmodelwise-scheme-compliance-function-lead"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"free","price":{"credits":0,"usd":0},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fmodelwise-scheme-compliance-function-lead"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fmodelwise-scheme-compliance-function-lead"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/modelwise-scheme-compliance-function-lead\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fmodelwise-scheme-compliance-function-lead"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":4334888}},{"tool":"search_jobs","arguments":{"company":"modelwise.ai","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":4334888},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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