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 role sits within the Scheme Compliance function, reporting to the Senior Scheme Compliance Officer, and works closely with Financial Crime Compliance (FCC), Financial Crime Operations (FCO), Product, and Operations teams. You will execute processes and controls defined by Scheme Compliance, compiling findings and recommended outcomes for review — freeing senior compliance officers to focus on scheme advisory, remediation strategy, and escalations.

This is an individual contributor role for someone who is detail-oriented, comfortable with high-volume review work, and able to work independently in a remote setting while operating within clearly defined authority boundaries — this role executes and recommends; it does not hold final sign-off on scheme-facing or client-facing compliance determinations.

What You’ll Do

• Conduct pre-publication review of TPA and client marketing materials against scheme brand standards and programme rules.

• Run periodic post-publication sweeps across digital and physical marketing channels to identify unapproved, outdated, or non-compliant materials, and log findings for remediation tracking.

• Maintain the live TPA and PIF registries, including tracking submission statuses, modifications, renewal dates, and ongoing requirements set by the schemes.

• Monitor TPA and PIF submission statuses in the registry and follow up on outstanding items with internal stakeholders and, where directed, with the schemes.

• Triage incoming scheme queries and flagged cases (e.g. marketing flags, registry discrepancies), drafting responses and action plans.

• Support periodic and annual client reviews: compile client data packs, run first-pass checks against the client review checklist, and draft review summaries with recommended actions.

• Maintain Reap's scheme compliance tracker and document management discipline across marketing, TPA, and PIF records — version control, retention, and audit-readiness.

• Monitor Visa Business News (and other scheme bulletins) for new releases, logging items and flagging those with potential operational impact for compliance officer assessment.

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

What We’re Looking For

• 3–5 years' experience in a compliance, risk, or operations role within a card issuer/acquirer, payment institution, card network, or fintech — scheme compliance exposure is a strong plus.

• Strong attention to detail and comfort with high-volume, checklist-driven review work without losing rigor.

• Working familiarity with concepts such as TPA (Third Party Agent), PIF (Program Information Form), or willingness to learn scheme rule frameworks quickly.

• Strong written English; able to draft clear, professional findings, recommendations, and internal notes.

• Ability to work independently in a remote environment, manage a high volume of recurring tasks, and know when to escalate rather than make a judgment call.

• Comfortable operating in a fast-paced, scaling fintech environment where processes are still maturing.

• AI-savvy: comfortable using AI tools to accelerate review and drafting work (e.g. first-pass marketing material screening, summarising scheme bulletins, drafting audit findings) — with the judgment to verify AI-assisted output against source rules rather than taking it at face value.

Nice to Have

• Prior exposure to Visa Online, VMM, or other scheme portals.

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

• Experience conducting marketing or content review against brand or regulatory guidelines.

• Proficiency in a second language (e.g. Spanish, Mandarin, Cantonese) — a plus but not required for this role's core scope.

Why You'll Love it Here

• 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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