About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments.

Backed by leading investors including Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.

Why Reap?

This is a high-impact, senior individual contributor role at the frontier of stablecoin-powered finance. You'll join a lean, experienced risk team and own strategic projects that directly shape how Reap expands into new markets. You'll be part of building the risk infrastructure that makes growth possible. If you're energised by ownership, complex problem-solving, and working at the intersection of traditional finance and emerging technology, this is where you belong.

What You’ll Do

• Lead new market expansion risk — own fraud risk management across card issuing products in new markets, ensuring controls, configurations, and scheme policy requirements are aligned from launch and maintained ongoing.

• Drive BIN sponsorship risk governance — evaluate and onboard new BIN sponsorship clients through structured risk analysis, establish initial risk configurations, and maintain governance oversight of the sponsored portfolio on an ongoing basis.

• Automate and scale operational risk monitoring — design and implement automated monitoring workflows covering fraud alerts, scheme notifications, and client and merchant-level risk signals, reducing manual intervention and improving response times.

• Champion fraud incident investigation & response — lead deep-dive fraud investigations, BIN attack incident response, post-mortems, and cross-functional coordination.

• Deliver client-facing risk advisory — work closely with clients to assess their risk appetite, quantify fraud exposure, and define the controls and thresholds appropriate to their business model, acting as a trusted risk partner throughout the relationship.

• Elevate the team's data-driven approach — leverage risk metrics, dashboards, and analytical tools to make and communicate evidence-based decisions across stakeholders.

What We’re Looking For

• 8+ years of experience in risk management within a card issuer or acquirer environment, with deep knowledge of card fraud, disputes, and risk operations

• 5+ years as a point of contact for card issuing and fraud with card schemes (Visa, Mastercard) — you've run the calls and built the relationships

• Strong data analytics mindset — you understand risk metrics, translate data into insights, and use analytical frameworks to drive strategy (SQL is a bonus, not a must)

• Demonstrated ability to manage strategic projects across multiple functions and geographies simultaneously

• Fluent in Spanish and English (written and spoken) — essential for engagement with card schemes and LATAM client interactions

Nice to Have

• Experience in LATAM markets, especially Mexico

• Background in a high-growth fintech or startup environment

• Familiarity with stablecoin or web3 financial infrastructure

• Experience with tools such as Snowflake, Looker, or similar data platforms

Why You'll Love it Here

• A high-impact role in a rapidly growing fintech company expanding into LATAM.

• Flexible remote work environment with a global, collaborative team.

• Insurance coverage after probation.

• Reap Card stipend.

• Use of AI tools at work — and the space to learn, experiment, and grow with them.

• A culture of innovation, inclusion, and continuous learning.

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