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Wise Sanctions Screening & Vendor Risk Evaluation

UK-headquartered · FCA regulated, FinCEN licensed

Before you share customer data with Wise, your compliance team needs documented proof they can be trusted. ThirdProof investigated Wise across 27 intelligence sources — here's what we found.

⚠ FedRAMP Status: Not found in the FedRAMP Marketplace. Vendors handling government data or CUI must be FedRAMP authorized.

Risk Tier
Tier 3 — Moderate Risk
SOC 2
— Not Found
FedRAMP
— Not Authorized
Last Assessed
Apr 17, 2026
🟢IP Reputation: Abuse score: 0%, 0 reports🟡SSL/TLS: TLSv1.3🟢Domain Age: 32.1 years🟢Infrastructure: 10 open ports, 0 CVEs
FedRAMP Status
Wise is not listed on the FedRAMP Marketplace as of March 2026.
SOC 2 Status
Wise has not had a SOC 2 claim detected on their trust page.
Sanctions Screening
Wise returned no matches in OFAC SDN, EU Consolidated, and UN sanctions screening.
Risk Tier
ThirdProof assigned Wise a Moderate Risk tier with 100% confidence across 27 intelligence sources.

27 sources checked. Every investigation delivers two audit-ready artifacts: a risk report and an auto-filled security questionnaire — built from independent evidence, not vendor self-attestation.

Get Wise's Full Report Free →
No credit card|Risk report + auto-filled questionnaire|SOC 2 CC9.2 ready

Certification & Compliance Status

Need a complete vendor security questionnaire?

Run a full ThirdProof investigation to get 133 security questions auto-filled with source evidence — ready for your next audit or vendor onboarding review.

Get Wise's Full Report Free →
✗Not Listed on FedRAMP Marketplace

Verified against FedRAMP Marketplace API as of March 2026

Organizations with federal compliance requirements should verify this directly at marketplace.fedramp.gov.

Wise is not listed on the FedRAMP Marketplace. As a financial services provider, Wise operates under financial regulatory frameworks (FCA, FinCEN) rather than federal IT security frameworks.

Source: FedRAMP Marketplace

FedRAMP authorized vendors →
◇27 data sources queried per assessment
◷Reports generated in an average of 7 minutes
◈SHA-256 verified for audit integrity
✓Deterministic risk scoring — no AI guesswork
Risk Tier
Tier 3 — Moderate Risk
Assessment
Conditional
Confidence
100%

Strong technical security posture — A+ SSL, clean across 94 threat engines. Risk is driven by regulatory enforcement history (CFPB, AML), not security failures.

Assessment Preview — 23 Sources Queried

Sanctions ScreeningClear — 5 matches checked, none confirmed
SSL/TLS GradeTLSv1.3
HTTP SecurityB+ (80/100)
Domain ReputationClean (no malware associations)
Infrastructure10 open ports, 0 CVEs
Malware & PhishingClean
IP ReputationAbuse score: 0%, 0 reports
Domain Age32.1 years

Run your own investigation to see the full evidence chain, compliance assessment, and recommended actions.

Get Wise's Full Report Free →

Executive Summary Preview

Wise (wise.com) is a global payment processing platform operating in 160+ countries and has been assessed at Risk Tier 3 (Moderate Risk), reflecting a vendor with strong foundational security controls offset by a pattern of regulatory enforcement actions and a gap in supply chain transparency. Wise presents several meaningful positive signals across security and compliance domains. The domain has an [established security posture](https://wise.com/security) with TLS 1.

This is an excerpt. Run your own investigation to see the full assessment. Get Wise's Full Report Free →

Key Findings for Wise

SeverityFindingSource
lowRegulatory enforcement action in media coverageAdverse Media Scan
mediumTLS certificate expiring soonDomain Analysis
infoClean domain reputationThreat Intelligence
lowNo subprocessor page foundSupply Chain & Subprocessor Discovery

4 total findings. Get Wise's Full Report Free →

Recommended Actions

  1. Obtain Wise's SOC 2 Type II report and bridge letter before final approval — contact their security team via [wise.com/security](https://wise.com/security) or check whether it is accessible through their trust portal. Ask for the most recent report and confirm the audit period covers the last 12 months.
  2. Verify TLS certificate renewal status within the next 14 days by re-running the [SSL Labs analysis](https://www.ssllabs.com/ssltest/analyze.html?d=wise.com) or checking the certificate expiry date directly. If expiry occurs without renewal confirmation, escalate with Wise's technical team.
  3. Request Wise's AML/BSA remediation documentation tied to the 2025 multistate enforcement action — ask their legal or compliance team for a summary of corrective controls implemented, or review any public statements made in connection with their US banking license application.
Get Wise's Full Report Free →
183+
Vendors assessed
98%
Average confidence
<2 min
Time to report

Intelligence Sources Queried for Wise

✓Sanctions & Watchlists
✓Business Registration
✓Adverse Media Scan
✓Company Intelligence
✓Domain Analysis
✓Infrastructure Exposure
✓Domain Registration
✓Threat Intelligence
✓Tech Community Sentiment
✓HTTP Security Scan
✓SSL/TLS Analysis
✓Certificate Transparency
✓Web Archive History
✓Threat Intel (OTX)
✓IP Reputation
✓Malware & Phishing Check
✓Website Security Scan
✓Trust & Compliance Scan
✓Subprocessor Discovery
✓FDIC Registry Check
✓SEC Filing Search
✓Historical Media Search
✓Certification Registry

ThirdProof uses a deterministic rules engine to assign risk tiers. AI writes the narrative — rules drive the decision.

What a ThirdProof assessment covers↓

Sanctions Screening

Is Wise on any OFAC, EU, or UN sanctions list? Are any officers or affiliates flagged?

Cyber Risk Assessment

What is Wise's security posture? Threat intelligence scanning, known vulnerabilities, and security header analysis.

Business Registration

Is Wise a legitimately registered business entity? Corporate status, jurisdiction, and officer verification.

Adverse Media Analysis

Has Wise appeared in negative news coverage? Data breaches, lawsuits, regulatory actions, and complaints.

Domain & Infrastructure

Is Wise's website secure? TLS configuration, DNS hygiene, security headers, and domain age analysis.

Company Intelligence

What are Wise's firmographics? Employee count, industry classification, technology stack, and corporate structure.

Trust & Compliance Verification

Does Wise claim SOC 2, ISO 27001, HITRUST, or FedRAMP? ThirdProof scans trust pages for certification claims and cross-references the FedRAMP public registry for independent verification.

Supply Chain & Subprocessor Discovery

Who does Wise depend on? ThirdProof discovers subprocessors from vendor-published pages and runs sanctions screening and safe browsing checks against each one.

Regulatory & Financial Filings

Has Wise appeared in SEC enforcement filings? Is it associated with any FDIC bank failures? ThirdProof searches regulatory databases with entity verification to confirm attribution.

Full methodology, rule engine, and AI disclosure: /methodology

Why Sanctions Screening Matters for Wise

Wise (formerly TransferWise) operates as a regulated financial services provider across 50+ countries, holding money transmission licenses in the US and authorization as an Electronic Money Institution in the EU. As a cross-border payments platform handling international fund transfers, Wise presents elevated sanctions screening complexity compared to typical SaaS vendors. Organizations using Wise for business payments must assess exposure to OFAC (US), EU consolidated sanctions, and UK financial sanctions regimes — each with distinct compliance obligations.

ThirdProof's Assessment Approach for Wise

ThirdProof's autonomous assessment of Wise queries OFAC SDN and sectoral sanctions lists with fuzzy name matching, screens against the OpenSanctions consolidated database covering 80+ international sanctions regimes, verifies business registration across relevant jurisdictions, analyzes cyber risk posture through external scanning, and reviews adverse media for regulatory enforcement actions. All evidence is independently sourced — Wise does not participate in or influence the assessment.

Key Compliance Considerations

Organizations evaluating Wise as a vendor should consider: (1) PCI DSS implications if Wise processes cardholder data on your behalf, (2) multi-jurisdictional sanctions exposure given Wise's operations across US, EU, UK, and APAC regulatory regimes, (3) SOC 2 coverage for the specific Wise services your organization uses, and (4) data residency requirements given cross-border data flows inherent to international payment processing. ThirdProof's assessment covers all of these dimensions in a single automated assessment.

Evaluate Wise for Your Vendor Program

Your first 5 Wise assessments are free — no credit card, no vendor participation required. ThirdProof queries 27 intelligence sources autonomously: OFAC SDN screening, EU and UN sanctions, business registration verification, adverse media analysis, cyber risk scoring, SSL/TLS configuration, and more. Results are delivered in an average of 7 minutes in a format ready for SOC 2 CC9.2, PCI DSS 12.8, and HIPAA BAA compliance evidence packages.

Seeing this in an audit? ThirdProof lets you investigate Wise and every other vendor in your stack — average report time: 7 minutes. Get Wise's Full Report Free →

Frequently asked about Wise

Is Wise FedRAMP authorized?+
Wise is not currently listed on the FedRAMP Marketplace as of April 2026.
Does Wise have SOC 2 Type II?+
No SOC 2 found. Wise rated Moderate Risk — Regulatory enforcement action in medi.... See all 4 findings →
Is Wise on the OFAC sanctions list?+
Wise returned no matches in ThirdProof's OFAC SDN, EU Consolidated, and UN sanctions screening as of April 2026.
What is Wise's vendor risk tier?+
ThirdProof assigned Wise a risk tier of Moderate Risk with 100% confidence based on assessment across 27 intelligence sources as of April 2026.
Is Wise OFAC sanctioned?+
ThirdProof's assessment screened Wise against the OFAC SDN list, sectoral sanctions programs, and the OpenSanctions consolidated database. Wise is not sanctioned — no confirmed matches were found. However, Wise has disclosed historical AML enforcement actions in regulatory filings. Organizations should review the full ThirdProof report for details on regulatory history and current compliance posture.
Is Wise safe for international business payments?+
Wise holds money transmission licenses in the US and Electronic Money Institution authorization in the EU, operating across 50+ countries. ThirdProof's assessment found clear sanctions screening, clean domain reputation, and no active enforcement actions. Wise's PCI DSS and SOC 2 compliance claims should be verified directly — request current audit reports from Wise before onboarding.
Does Wise comply with anti-money laundering regulations?+
Wise operates under AML/KYC regulatory frameworks enforced by FinCEN (US) and the FCA (UK). ThirdProof's adverse media scan flagged historical AML enforcement actions in Wise's regulatory history. While Wise currently maintains active licenses across all operating jurisdictions, organizations should review the specific enforcement details in the full assessment report and assess whether Wise's current compliance controls meet your risk appetite.
Can I get an auto-filled security questionnaire for Wise?+
Yes. Every ThirdProof investigation of Wise produces two deliverables: an audit-ready risk report and a 133-question security questionnaire pre-filled with evidence from 27 independent sources. The questionnaire is mapped to SIG, SOC 2, HIPAA, PCI DSS and 9 other frameworks — answered without sending Wise a single email or waiting for a vendor response.
Is Wise safe to use as a vendor?+
Wise is a payments vendor that handles payment card and transaction data. Safety depends on their current security posture, certification status, and how they handle your specific data. ThirdProof automates this evaluation across 27 intelligence sources — sanctions databases (OFAC, EU, UN), business registration verification, adverse media scanning, and cyber risk assessment — producing a deterministic risk tier with confidence score plus an auto-filled security questionnaire. Run a free investigation to see Wise's full risk profile.
Does Wise have SOC 2 certification?+
No SOC 2 found. Wise rated Moderate Risk — Regulatory enforcement action in medi.... See all 4 findings →
Has Wise had any data breaches?+
Data breach history is an important signal for any vendor, particularly payments platforms like Wise that handle payment card and transaction data. ThirdProof's adverse media analysis searches multiple news APIs and public records for data breaches, security incidents, lawsuits, regulatory enforcement actions, and financial distress signals. Each finding is linked to its original source with severity classification.
Is Wise on any sanctions lists?+
Sanctions screening is particularly critical for payments vendors. ThirdProof screens Wise against OFAC SDN, consolidated international sanctions lists, and PEP databases. The screening uses entity name verification to reduce false positives. If Wise or any associated officers appear on a sanctions list, this triggers automatic escalation to the highest risk tier.
How do I assess Wise for vendor risk?+
Assessing Wise as a payments vendor involves verifying PCI-DSS and SOC 2 Type II compliance, reviewing their subprocessor chain, and checking sanctions exposure. ThirdProof automates this across 27 intelligence sources in an average of 7 minutes — no questionnaires or vendor participation required. Your first 5 investigations are free.
How long does a ThirdProof assessment take?+
A ThirdProof assessment completes in an average of 7 minutes. 27 intelligence sources are queried in parallel — sanctions databases, business registries, threat intelligence feeds, certificate transparency logs, and more. The result is a deterministic risk tier with confidence score and audit-ready PDF report.
Is ThirdProof free?+
ThirdProof offers 5 free vendor assessments with no credit card required. Each assessment includes the full report — risk tier, confidence score, individual findings, executive summary, and PDF export. Paid plans start at $399/month for teams that need ongoing vendor monitoring.
Can I use a ThirdProof report as SOC 2 audit evidence?+
Yes. ThirdProof reports are designed to satisfy SOC 2 CC9.2 (vendor risk management) requirements. Each report includes SHA-256 integrity verification, methodology disclosure, source attribution for every finding, and AI content labeling. Auditors can independently verify the report's authenticity and trace each finding to its original source.
How is ThirdProof different from a security questionnaire?+
Security questionnaires require vendor participation, take weeks, and produce self-reported answers. ThirdProof queries 27 independent intelligence sources — no vendor involvement needed. Risk tiers are assigned by a deterministic rules engine (not AI opinion), and every finding links to its original source. You get an audit-ready report in an average of 7 minutes instead of waiting weeks for a questionnaire response.

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Wise is in your vendor stack. Can you prove you assessed them?

SOC 2 CC9.2, HIPAA, PCI-DSS, and CMMC all require documented vendor due diligence — not just knowing the answer, but having audit-ready evidence you verified it. Most compliance teams can't produce that documentation on demand.

ThirdProof investigates Wise across 27 intelligence sources in an average of 7 minutes — sanctions screening, cyber posture, SOC 2 verification, FedRAMP status, and more. Every investigation produces two deliverables: an audit-ready risk report and an auto-filled security questionnaire your prospects and auditors expect to see.

Get Wise's Full Report Free →See PricingBook a Demo
✓ 5 free investigations✓ Risk report + auto-filled questionnaire✓ No credit card required✓ Average report time: 7 minutes

Replaces $600–$900 in manual compliance consulting time per vendor assessed.