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?

The Financial Crime Compliance function at Reap is a critical pillar of our ability to scale. This is a rare opportunity to join a lean, high-trust team where you'll work closely with the Compliance Manager and have real influence over how we strengthen our AML/CFT program — not just execute tasks, but shape how we approach policy, oversight, and risk decision-making across the business. If you're looking for a role where your judgment actually matters and where you'll grow alongside a company building the future of stablecoin-enabled finance, this is it.

What You’ll Do

• Support and strengthen Reap's AML/CFT program across customer due diligence (CDD) and transaction monitoring (TM)

• Review and provide guidance on complex CDD escalations, including SCDD and EDD cases — high-risk clients, complex ownership structures, ambiguous source of wealth/funds scenarios

• Oversee TM alerts, investigations, and escalation patterns; assess monitoring effectiveness by identifying detection gaps, false positive rates, and alert-to-STR conversion trends

• Support review of STR-triggering scenarios across onboarding and transaction monitoring; ensure consistency in decision rationale and documentation

• Translate recurring case patterns into clear internal guidelines, improved risk frameworks, and enhanced CDD standards and escalation thresholds

• Act as a key bridge between FCC (2nd line) and FCO (1st line): guide analysts on decision-making, improve escalation quality and consistency

• Support development of financial crime dashboards and reporting, including alert trends, risk exposure by product/geography, and STR conversion ratios

• Collaborate cross-functionally with product, engineering, and operations teams on monitoring tools, workflows, and SLAs

• Leverage AI tools (e.g. Claude, n8n, Zapier) to improve investigation efficiency, reduce manual workload, and enhance documentation

What We’re Looking For

• 5–8+ years in Financial Crime Compliance, with oversight experience across financial crime controls — specifically transaction monitoring, onboarding (KYB/KYC), and enhanced due diligence (not purely operational execution)

• Strong policy articulation and communication skills — this role is more communication than execution; you must be able to translate compliance policy requirements clearly to FCO and cross-functional stakeholders

• Background in fintech, payments, or crypto/Web3 — startup mindset and comfort with modern tooling (Slack, Google Workspace) is essential

• Solid understanding of AML/CFT frameworks, risk-based approach, and STR/SAR considerations

• Strong grasp of Transaction Monitoring fundamentals: scenario/rule design logic, typology mapping (structuring, layering, funnel accounts, mule activity), alert generation logic, and trade-offs between false positives and detection sensitivity

• Ability to interpret patterns beyond individual cases and apply structured, independent thinking to ambiguous situations

• Comfortable working in fast-paced, cross-functional environments with a high degree of autonomy

Nice to Have

• Familiarity with data tools such as SQL, Excel, or BI tools (e.g. Metabase, Snowflake, Tableau, Google Looker)

• Experience across KYC/TM/KYT systems (e.g. SumSub, ComplyAdvantage, Jumio, Chainalysis, Elliptic, Flagright)

• Interest or experience using AI tools (e.g. Claude, ChatGPT, LLMs) for workflow optimisation or analysis

• Consulting or audit background with a demonstrated transition into applied policy or oversight roles

Why You'll Love it Here

• A high-impact role in a rapidly growing fintech startup — your work will directly shape how Reap scales its compliance program

• Collaborative, low-politics team culture where your judgment is trusted and your voice is heard

• Flexible remote work environment with a global, cross-functional 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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