Financial Crime Operations · LATAM (Mexico Focus) · Hybrid / Remote

About Reap

Reap is a leading fintech company at the forefront of blending traditional and digital finance.

Founded in 2018, Reap is headquartered in Hong Kong with an office in Singapore and Mexico, and operates globally across four continents. Our team of over 200 professionals spans eight countries, serving 22,000 businesses internationally.

We continue to innovate, advancing technology and building better tools for businesses to level the playing field, giving every business the access of a large enterprise.

Our mission is to build a frictionless global financial ecosystem enabled by stablecoins that gives access to everyone to participate in the global economy through technology.

We win by harnessing the talents of our diverse team globally and embracing a Silicon Valley culture with a "win together" collaborative mindset.

As we expand across LATAM, Financial Crime Operations is not just a control function — it is foundational infrastructure.

Operations at Reap

At Reap, Operations is more than a function—it’s what makes scale possible. We build the foundation for our products: an intelligent, automated framework that delivers seamless customer experiences. Our mission is to turn complexity into competitive advantage. We treat manual tasks as bugs to be fixed and operate as the critical link between innovative products and real‑world delivery.

We’re looking for architects, not just operators. If building elegant solutions for complex problems energizes you—and you want to shape the operational backbone for global finance—this is your team.

The Role

You will own and drive end-to-end compliance operations across client lifecycle stages and transaction flows. Key responsibilities include:

• Onboarding KYC/KYB Reviews

  • Conduct and sign off on due diligence for new and existing clients, including assessing complex corporate structures, international UBOs, and business models with higher-risk elements.

• Payment Reviews & Transaction Monitoring

  • Execute real-time and post-transaction investigations with a deep understanding of cross-border payment risks. Identify, assess, and escalate suspicious patterns, fraud indicators, or financial crime exposure.

• Periodic Reviews & Ongoing Monitoring

  • Lead ongoing due diligence checks and risk re-rating exercises, ensuring continued alignment with internal AML policies and evolving risk appetite.

• Alert Handling & Investigations

  • Triage and investigate alerts from internal systems (e.g., sanctions, transaction anomalies, adverse media). Document cases with clear rationale and elevate high-risk items in line with escalation protocols.

• Risk-Based Thinking & Data Analysis

  • Interpret and leverage data trends to identify potential policy gaps, process inefficiencies, or client behavioral red flags. Collaborate with analytics or product teams to refine rules and controls.

• SOP Development, QA Involvement & Project Ownership

  • Drive the drafting and enhancement of SOPs, control checklists, and workflows in alignment with global AML/CTF policies. Partner with the QA team to ensure consistency and execution quality. You will also help design and implement the maker-checker (2-eye/4-eye) process, and serve as checker for escalated or sensitive cases.

• Regulatory Readiness

  • Support internal reviews, audits, and regulatory inquiries by maintaining high-quality documentation and being audit-ready at all times.

What We’re Looking For

We’re seeking a high-performing compliance professional who can operate independently while contributing to the strategic buildout of our global compliance operations.

• Experience

  • Minimum 5–7 years of experience in compliance operations or financial crime compliance, ideally with exposure to fintech, payments, EMIs/MSBs, or regulated financial institutions

  • End-to-end exposure across KYC/KYB, transaction monitoring, STR/SAR processes, sanctions screening, and ongoing due diligence

• AML Knowledge

  • Strong familiarity with global AML/CTF standards (e.g., FATF, FinCEN, MAS, HKMA, FCA) and ability to translate them into operational processes within a risk-based compliance framework

• Strategic Execution & Maker-Checker Design

  • Proven ability to balance execution with strategy, and experience building workflows and control structures

  • Experience implementing or managing 2-eye/4-eye review frameworks, including performing the checker role on risk-sensitive cases

• Project Ownership

  • Strong ownership mindset, with the ability to lead and deliver small-to-medium compliance projects

  • Comfortable coordinating across teams such as Product, Growth, QA, Legal, and Finance Ops

• Work Ethic & Time Zone Flexibility

  • Able to work independently and align with Mexico public holidays

  • Willing to work during local public holidays if based outside of Mexico (compensatory leave will be provided)

• Language Proficiency

  • Fluent in business English and Spanish (spoken and written)

  • Proficiency in any additional language (e.g., Portuguese, etc.) is a strong advantage

The Opportunity

• Be the architect of risk at scale: design how a stablecoin-enabled fintech expands across LATAM without compromising integrity.

• Operate at the intersection of growth and governance: embed structure into rapid regional expansion.

• Build the operational backbone for Mexico market entry and beyond.

• Work directly with regional and global leaders to shape the next phase of Reap’s international growth.

• Define what modern Financial Crime Operations looks like in a stablecoin-native environment.

Benefits you’ll enjoy

• A vibrant, inclusive work culture

• Annual leave to relax and recharge, plus public holidays

• Health insurance budget to keep you covered

• Be part of a fast-growing global team

• Flexible remote work options

• Home office equipment budget

• Your own Corporate Reap Card-no more out-of-pocket spending

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About Reap

Reap is a leading global payment technology provider that enables financial connectivity and access for businesses worldwide. By merging traditional finance with digital assets, bridging disparate economies, and connecting key financial players, we are transforming the financial landscape into a more interconnected and interoperable space for efficient money movement.

With stablecoin-enabled corporate cards, payout solutions, and expense management tools, we streamline financial operations and empower businesses to scale. Our APIs enable businesses to embed finance into their own products and services, from issuing Visa cards to facilitating cross-border payments.

Reap is supported by a strong network of investors, including Acorn Pacific Ventures, Arcadia Funds, HashKey Capital, Hustle Fund, Fresco Capital, Abacus Ventures, and Payment Asia.

Founded in 2018

Coworkers 200+