Reap is a fintech company building borderless financial infrastructure for businesses operating across currencies and markets. Founded in 2018, the company combines stablecoin-enabled cross-border payments with business accounts, Visa corporate cards, multi-currency expense management, and embedded finance APIs. Its platform supports global fiat payouts, card issuing, payment automation, and treasury workflows for businesses seeking more flexible ways to manage international finances. Reap operates across fintech, crypto, and B2B markets with a team of 201–500 employees.
Lead Transaction Monitoring, Financial Crime Operations — Hong Kong Hybrid
Lead complex AML, fraud, and crypto transaction monitoring for Reap’s stablecoin-enabled payments business. Develop detection rules, oversee investigations, maintain SOPs, and strengthen scalable financial crime controls.
Description
- Investigate high-risk and complex alerts involving AML, fraud, and crypto-specific typologies
- Resolve Visa card-scheme and digital-asset alert backlogs within SLA requirements, recording decisions and outcomes
- Prepare and submit SARs and STRs to the JFIU and other relevant authorities, with complete audit documentation
- Conduct detailed forensic reviews of fiat and blockchain transaction networks, using blockchain analytics when appropriate
- Act as the main operational contact for the transaction monitoring vendor during the transition to automated systems
- Evaluate alert performance, reduce false positives, and recommend rule-tuning improvements with Product and Engineering
- Create, test, and launch monitoring scenarios and typologies addressing PSP and crypto-asset risks, supported by defined success measures
- Own and update transaction monitoring SOPs in line with FCC policies
- Convert regulatory and card-scheme obligations into practical procedures and control requirements
- Establish L1/L2 escalation frameworks, investigation criteria, and quality-control checkpoints
- Coach colleagues, define investigation quality expectations, provide on-call support, and conduct spot checks and QC reviews
- Lead knowledge-sharing activities, develop playbooks, and build team capability through coaching
Requirements
- 8–15 years of dedicated transaction monitoring experience
- Experience in fintech, payments—including card issuing or acquiring—or Web3 and crypto
- Strong understanding of how fiat payment rails differ from blockchain transaction flows
- In-depth knowledge of Visa and Mastercard transaction monitoring obligations
- Working knowledge of relevant AML and fraud typologies
- Practical experience with modern transaction monitoring and blockchain analytics platforms, including tools such as Unit21, Flagright, Chainalysis, and Elliptic
- Ability to explain and document transaction monitoring rule logic
- Comfort working with ambiguity and change in a startup environment
- CAMS, CFE, or ICA International Diploma in AML certification is desirable
- Experience establishing a transaction monitoring function or transitioning from manual to automated monitoring is desirable
- Working knowledge of SQL or data visualization for rule-performance analysis and experiment design is desirable
Benefits
- Inclusive and energetic workplace culture
- Annual leave and public holidays for time away from work
- Health insurance budget
- Opportunity to join a rapidly growing global team
- Flexible remote-work arrangements
- Budget for home-office equipment
- Corporate Reap Card for business spending without personal outlay