Lead (Transaction Monitoring), Financial Crime Operations
Financial Crime Operations (FCO)
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 servicesfrom issuing Visa cards to facilitating cross-border payments.
Backed by leading investors including Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.
Financial Crime Operations at Reap
At Reap, the Financial Crime Operations team safeguards our customers and our platform by preventing, detecting, and responding to financial crime across both fiat and crypto rails. As we deepen our integrations with major card networks and scale our Web3 infrastructure, FCO is transitioning from manual workflows to a modern, automated, rules-based monitoring environment. We partner closely with Compliance (FCC), Product, Engineering, and Payment Operations to ensure resilient, scalable controls that meet regulatory and scheme obligations without sacrificing user experience.
About The Role
Reports to: Lead, Financial Crime Operations
We are seeking a hands-on Subject Matter Expert in Transaction Monitoring to lead complex investigations while building the next generation of our monitoring capability. You will clear critical backlogs, tune and design detection logic, and establish SOPs that scale our program across card schemes and digital asset flows. This is a builder role for someone who thrives in ambiguity, moves fast, and brings order to complexity.
What You'll Do
- Transaction Monitoring & Investigations (hands-on)
- Lead investigations into high-risk and complex alerts spanning AML, fraud, and crypto-specific typologies.
- Triage and clear existing backlogs for card scheme (Visa) and digital asset alerts within SLAs, documenting rationale and outcomes.
- Prepare and file SARs/STRs with the JFIU and other authorities where required, maintaining robust audit trails.
- Perform deep-dive forensic analysis across fiat and blockchain transaction webs, leveraging blockchain analytics where appropriate.
- System Optimization & Rule Tuning
- Serve as the primary operational stakeholder for the Transaction Monitoring vendor as we migrate to automated systems.
- Analyze alert performance, reduce false positives, and propose rule-tuning changes in partnership with Product and Engineering.
- Design, test, and promote new scenarios/typologies tailored to PSP and crypto-asset risks, with clear success metrics.
- Process Governance & Procedure Creation
- Draft, maintain, and own SOPs for the TM function, aligned with policies owned by FCC.
- Translate regulatory and scheme requirements into actionable process steps and control points.
- Define L1 vs. L2 escalation matrices, investigation standards, and QC checkpoints.
- Mentorship & Leadership
- Serve as subject matter expert for TM, mentoring peers and setting investigation quality standards.
- Provide on-call guidance for complex cases, perform spot checks and QC reviews, and document best practices.
- Lead knowledge-sharing sessions, write playbooks, and uplevel the team's capability through example and coaching.
About You
Must-haves
- 8-15 years focused on Transaction Monitoring.
- Background in Fintech, Payments (card issuing and/or acquiring), or Web3/Crypto with a clear grasp of differences between fiat rails and blockchain flows.
- Deep knowledge of Visa/Mastercard scheme monitoring obligations and relevant AML and fraud typologies.
- Hands-on experience with modern TM and blockchain analytics tools (e.g., Unit21, Flagright, Chainalysis, Elliptic) and the ability to articulate rule logic.
- Start-up mindset: willing to clear alerts while building strategy, comfortable operating in evolving environments.
Nice-to-haves
- CAMS, CFE, or ICA International Diploma in AML.
- Prior experience standing up a TM function or migrating from manual to automated monitoring.
- Working proficiency in SQL and/or data visualization for rule performance analysis and experiment design.
Benefits you'll enjoy
- A vibrant, inclusive work culture
- Annual leave to relax and recharge, plus public holidays
- Health insurance budget to keep you covered
- Be part of a fast-growing global team
- Flexible remote work options
- Home office equipment budget
- Your own Corporate Reap Card-no more out-of-pocket spending
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About Reap
Reap is a leading global payment technology provider that enables financial connectivity and access for businesses worldwide. By merging traditional finance with digital assets, bridging disparate economies, and connecting key financial players, we are transforming the financial landscape into a more interconnected and interoperable space for efficient money movement.
With stablecoin-enabled corporate cards, payout solutions, and expense management tools, we streamline financial operations and empower businesses to scale. Our APIs enable businesses to embed finance into their own products and services, from issuing Visa cards to facilitating cross-border payments.
Reap is supported by a strong network of investors, including Acorn Pacific Ventures, Arcadia Funds, HashKey Capital, Hustle Fund, Fresco Capital, Abacus Ventures, and Payment Asia.
Founded in 2018
Coworkers 300+
