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?

Reap is a licensed card issuer and BIN sponsor operating across Hong Kong and Mexico. We are looking for a Scheme Compliance Officer to own scheme compliance for our Latin America programs, with a primary focus on Mexico.

This role sits within the Scheme Compliance function and works closely with Financial Crime Compliance (FCC), Financial Crime Operations (FCO), Product, Operations, and Legal teams. You will help ensure our card programs meet card scheme obligations, support TPA and PIF processes, and provide practical compliance guidance as our LATAM business grows.

This is an individual contributor role for someone who can work independently in a remote setting, read and apply card scheme rules at source level, and collaborate effectively across teams without close day-to-day supervision.

What You’ll Do

• Monitor card scheme rule changes, bulletins, and compliance requirements; assess impact on Reap's programs and recommend actions.

• Handle scheme inquiries and remediation cases, including drafting responses and developing action plans to resolve cases within required timelines.

• Monitor TPA and PIF submission statuses and hold ongoing discussions with the schemes on pending requirements and open items; proactively identify process improvements to drive more efficient submission and approval workflows.

• Maintain the live TPA and PIF registries, including tracking modifications and ongoing requirements set by the Schemes.

• Collaborate with cross-functional stakeholders to identify gaps in client programme documents against scheme requirements and PIF parameters; log findings with severity classifications, assist in remediation, and track resolution to closure.

• Conduct pre-publication review of TPA marketing materials against scheme brand standards and programme rules, issuing written approve/reject outcomes with rule references; run periodic post-publication sweeps to identify unapproved or non-compliant materials.

• Assist in periodic and annual client reviews as required under scheme obligations.

• Advise Product, Operations, and Commercial teams on scheme compliance requirements for new products, client onboarding, and programme changes.

• Work closely with the Risk team to track compliance performance for Mexico BIN programs against scheme risk thresholds, fraud metrics, and dispute monitoring requirements; provide scheme-rule-based advice to drive remediation where needed.

• Work with FCC and FCO to ensure scheme compliance requirements are reflected in AML/CTF programme design, KYC/KYB workflows, and transaction monitoring configuration.

• Assist in periodic / annual client reviews as part of Scheme requirement.

• Work hand in hand with the global Scheme Compliance team to improve processes, share learnings, and collaborate on ways of working across jurisdictions.

What We’re Looking For

• Minimum 4 years’ experience in a scheme compliance, card scheme oversight, payment card regulatory, or closely related role within a card issuer/acquirer, payment institution, or card network.

• Working knowledge of Scheme Rules; ability to interpret and apply rules independently without relying solely on Scheme guidance; and translate them into clear, practical SOPs and policies that are sustainable and scalable for a growing business.

• Familiarity with TPA registration processes, PIF submissions, or Scheme program approvals — whether in an ownership or supporting capacity.

• Experience conducting third-party due diligence reviews in a regulated payments context.

• Strong written communication skills in both Spanish and English; able to draft compliance narratives, Scheme-facing correspondence, and internal advisory notes to a professional standard.

• Ability to work independently with minimal supervision in a remote environment, managing competing priorities and deadlines without close day-to-day direction.

• Comfortable operating in a fast-paced, scaling fintech environment where processes are still maturing and ambiguity is the norm.

Nice to Have

• Familiarity with Mexico's financial services regulatory environment (CNBV, Banxico, Fintech Law).

• Experience with BIN Sponsorship, Cards-as-a-Service (CaaS), or fintech card programs.

• Prior direct engagement with a card scheme on compliance, program approvals, or remediation matters.

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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