Liquidity Director at Wise

London, England, United Kingdom

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Significant experience working across liquidity management in a neo bank and/or major fintech, ideally with some payments or global remittance experience
Confident communicator with an adaptable approach to applying knowledge
Expertise in key liquidity metrics and liquidity regulations
Proven understanding of operational liquidity e.g. cash flow management
Understanding of monetisation techniques for fixed income instruments such as implementation of Repos
Experience working with good governance and effective liquidity control frameworks
Ability to formulate internal policy and frameworks, specifically around liquidity allocation

Responsibilities

Work as part of a cross functional Liquidity team, including Analysts, Data Scientists, Product, Engineering, Functional Specialists and Controllers, with the aim of managing liquidity risk and having a positive impact on customers through speed, price and convenience
Contribute to the vision and direction of the liquidity team, and partnering with others, lead the development of Wise’s liquidity risk management strategy considering both current and future global regulatory obligations
Own the overall liquidity risk framework, developing and enhancing what exists and aligning with Risk Owners on their sub-elements and with Treasury Squad leads and ALCO on the overall framework
Ensure that risk owners and managers have set appropriate requirements to monitor the real time usage/availability of liquidity (and other key data points) and have aligned long term liquidity forecasts
Work with FX, Cash and Asset Management and other Treasury teams to develop an effective intraday liquidity management framework, with considerations for funding streams (i.e. repos), buffer optimisation, regional/entity liquidity needs/allocations
Stay at the forefront of industry trends, regulatory changes, and emerging risks affecting liquidity management in fintechs and banks

Skills

Liquidity Risk Management

Treasury

Risk Management

Financial Risk

Cross-functional Collaboration

Data Analysis

Stress Testing

Liquidity Framework

Cost Allocation

Forward-looking Analysis

Wise

Facilitates low-cost international money transfers

About Wise

Wise focuses on international money transfers, providing a low-cost alternative to traditional banks. It uses a peer-to-peer system to match transfers between users in different countries, which helps reduce fees and offers better exchange rates. Customers pay a small, transparent fee for each transaction, and Wise also offers a multi-currency account for managing funds in various currencies. The company aims to maintain high performance and reliability while ensuring transparency and trust with its users.

London, United KingdomHeadquarters

2011Year Founded

$385.5MTotal Funding

IPOCompany Stage

Fintech, Financial ServicesIndustries

5,001-10,000Employees

Benefits

PTO & annual leave

Work from home flexibility

Parental leave

Medical insurance plans

Health & wellbeing discounts

Pension & retirement plans

Social events

Relocation support

Risks

Increased competition from banks integrating Swift services could challenge Wise's market share.

Regulatory scrutiny following Stenn's collapse may increase pressure on Wise.

Bitcoin's low transaction fees could attract customers away from Wise's services.

Differentiation

Wise offers a peer-to-peer system for low-cost international money transfers.

The company provides a multi-currency account for ex-pats, freelancers, and travelers.

Wise's transparent fee structure attracts customers seeking cost-effective money transfer solutions.

Upsides

Partnership with Morgan Stanley enhances Wise's cross-border settlement capabilities.

Expansion into India's remittance market presents significant growth opportunities for Wise.

API integrations offer additional revenue streams and market penetration for Wise.

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