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 pivotal role within Reap's Card product team — you'll own the intersection of card risk, compliance, and product strategy. Starting with a strong defensive mandate (fraud monitoring, KYC, AML, scheme compliance), you'll evolve into an offensive role — leveraging your compliance expertise to unlock card expansion into new countries and markets. You'll work closely with Engineering, Compliance, CX, FinOps, Legal, and external scheme partners (Visa, Mastercard), and report directly to the Head of Cards. If you want to shape how a fast-growing fintech navigates the complexities of global card compliance while building products that scale, this is the role for you.

What You’ll Do

Transaction Processing & Monitoring

• Own the end-to-end card transaction lifecycle including authorization flows, settlement processing, 3DS authentication, and exception handling (decline codes, MCC blocks, velocity rules)

• Lead the product strategy for transaction monitoring — building systems that work across schemes and jurisdictions as Reap expands globally

• Own dispute resolution and chargeback management including intake, VROL/Mastercard API integration, response submissions, and outcome tracking

• Monitor transaction health across card programmes — triage and resolve operational issues affecting authorisation rates, settlement failures, and card scheme exceptions

Risk Management & Compliance

• Ensure ongoing compliance with Visa and Mastercard scheme rules; own programme-level compliance reporting and respond to scheme audit requirements

• Manage local regulatory compliance obligations in applicable jurisdictions (Hong Kong, and others as the business expands)

• Partner with the platform product team- integrate and refine KYB/KYC flows for new markets, ensuring our compliance policy requirements are correctly implemented

• Maintain and enforce country restriction policies for card issuance and transaction acceptance

• Proactively identify risk and compliance gaps and build systems that create a robust, scalable engine

• Evaluate, onboard, and manage risk management vendors; comfortable working hands-on with vendor APIs and integration flows to drive implementation alongside engineering

What We’re Looking For

• 5+ years of product management experience in card transaction processing, fraud/risk products, or compliance— with direct exposure to card scheme rules (Visa and/or Mastercard)

• Solid understanding of the card transaction lifecycle: authorisation, clearing, settlement, dispute/chargeback processes

• Experience working with payment processors — you understand the moving parts between issuers, acquirers, networks, and processors

• Experience managing KYB/KYC review processes and AML monitoring frameworks

• A structured, systems-thinking mindset — the ability to see how authorization, fraud, AML, and KYC interact as one system, not four separate problems

• Strong written communication — ability to document SLAs, internal policies, and scheme compliance responses clearly

Technical Capabilities

Must-Have

• Proficiency with card scheme portals and APIs (Visa Online, VROL, Mastercard Connect, or equivalent)

• Experience with SQL to query and investigate transaction data

• Ability to read and interpret API responses, webhooks, and log data for transaction debugging (not required to code, but technically literate)

• You are comfortable with AI tooling and consistently leverage them to boost the productivity of yourself and the team around you

Bonus

• Exposure to CaaS (Card-as-a-Service) programme management for B2B clients

Nice to Have

• Background at a card company (Visa, Mastercard) or a card-issuing fintech (e.g. Binance Card, Coinbase Card)

• Operator mindset — you take ownership of outcomes, not just tasks; you follow through and escalate early when things are stuck

• Detail-oriented under pressure — card compliance and dispute management are deadline-driven; you need to be precise and organised

• Comfortable with ambiguity — Reap operates across multiple jurisdictions and the regulatory environment evolves; you adapt quickly and build structure where there is none

• Strong cross-functional communicator — you work fluidly with engineers, CX, legal, and external partners, translating between technical and operational contexts

• Collaborative but opinionated — you contribute clearly to product and process decisions affecting your domain

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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