Reap

Solutions Engineer

• Design and build backend services for card transaction processing, fraud detection, and/or card program management
• Contribute to system architecture and technical decision-making with a focus on performance, fault tolerance, and maintainability
• Collaborate with cross-functional stakeholders (Product, Risk, Finance, Compliance) to deliver robust, compliant financial systems
• Write clean, observable, and well-tested code in a service-oriented architecture
• Participate in code reviews, incident response, and ongoing reliability improvements
• Help evolve our engineering practices, tools, and system designs as we scale

Senior Software Engineer, Card Solutions – Backend-Focused, Partner Integration

Financial Crime

• Act as appointed MLRO for Reap's Hong Kong entities, with direct access to senior management and the board.
• Receive, assess and adjudicate internal suspicious activity escalations; decide on and file STRs with the JFIU.
• Own post-STR handling, including consent regimes, account restrictions, fund quarantine decisions and law enforcement liaison.
• Maintain complete, defensible records of STR decisions, rationale and follow-up actions.
• Own Hong Kong AML/CFT policies, standards and procedures, including the MSO entity's AML/CFT Policy, ensuring alignment with AMLO, C&ED guidelines and FATF standards.
• Lead the institutional ML/TF risk assessment for the HK entities and keep it current with product and market changes.
• Set CDD/SCDD/EDD standards and adjudicate high-risk client escalations (e.g. Web3, PSPs, complex ownership structures, sanctions-nexus cases).
• Govern sanctions screening, transaction monitoring and ongoing due diligence for HK-booked business, including monitoring effectiveness and rule governance.
• Act as primary contact for the C&ED on MSO licence matters, inspections, returns and notifications.
• Lead preparation for and management of external AML audits and independent reviews, including remediation tracking to closure.
• Support scheme-related compliance commitments where they intersect with HK AML/CFT controls.
• Provide 2nd line guidance and quality oversight to the FCO team on CDD decisions, alert dispositions and escalation quality.
• Deliver regular MI and compliance reporting to senior management, including STR trends, risk exposure and control health.
• Own the HK AML/CFT training programme, including induction and annual refresher training for all relevant staff.

Compliance Officer, Money Laundering Reporting Officer

• Own and maintain the Group Financial Crime Compliance framework, policies and standards.
• Lead enterprise-wide AML/CFT risk assessments across all jurisdictions.
• Define financial crime risk appetite, governance standards and oversight mechanisms.
• Drive FCC maturity, audit readiness and remediation programmes.
• Oversee higher-risk client and transaction reviews.
• Provide guidance on sanctions, PEP, adverse media and financial crime escalations.
• Govern transaction monitoring, sanctions screening and ongoing due diligence frameworks.
• Review complex investigations and oversee SAR/STR decision-making.
• Own transaction monitoring governance, typology development and detection optimisation.
• Identify emerging financial crime risks and recommend enhancements to controls and detection capabilities.
• Provide oversight of financial crime requirements across sponsor programmes.
• Act as a key point of contact for regulators, auditors and external stakeholders on financial crime matters.
• Build organisational capability through training, awareness and continuous development.

Head of Financial Crime Compliance

• Design, develop, and deploy scalable applications in our AWS environment, ensuring the implementations meet business requirements and adhere to high-quality standards.
• Collaborate closely with cross-functional teams, including product managers, designers, and fellow engineers, driving seamless product development from concept to deployment.
• Keep our tech stack modern and competitive by staying current with the latest industry trends and technologies.
• Enhance system observability and reliability through writing tests, adding key metrics, debugging issues, and learning from incidents.
• Contribute to our team's growth by assisting with resume screening and conducting interviews for new talent.

Senior Software Engineer, Onboarding – Client-facing AI initiatives

• own onboarding flows, improve KYB/KYC docs, reduce cycle times, and collaborate with Compliance, Product, and Tech to scale
• document, systematise, and progressively automate processes
• work closely with the Product and Tech teams to design workflows
• Conduct checklist-based reviews of documentation submitted by clients during onboarding, verifying completeness and consistency against internal requirements
• Identify missing, incomplete, or inconsistent documentation and issue Requests for Information (RFIs) to clients to obtain outstanding items
• Maintain accurate, audit-ready records of documentation received, RFIs issued, and case status throughout the onboarding workflow
• Own and drive end-to-end onboarding operational flows, identifying bottlenecks and implementing improvements to reduce onboarding cycle times
• Track case progress across the pipeline and proactively follow up to keep cases moving without unnecessary delays
• Own onboarding speed KPIs and work collaboratively with the Compliance team to drive faster decision turnaround without compromising quality
• Document and systematise all onboarding operational processes into clear, repeatable SOPs, built from the ground up to be automation-ready
• Identify which parts of the onboarding workflow are candidates for agentic automation and work with the Product and Tech teams to progressively implement these via automation and AI tooling
• Drive the transition from manual execution to AI-assisted workflows over time
• Prepare and submit Partner Information Forms (PIFs) and supporting documentation required by card schemes for partner onboarding and certification processes
• Coordinate third-party reviews required by card schemes and other network partners, managing timelines, documentation packages, and follow-ups to ensure submissions are complete and on schedule

Analyst, Financial Crime Operation – LATAM Focus, Spanish Speaker

General Counsel

• Draft, review, and negotiate a wide variety of commercial agreements
• Act as the embedded legal advisor to our Product and Engineering teams
• Navigate complex, multi-jurisdictional regulatory frameworks relating to payments, digital assets, and data privacy
• Act as a trusted business partner, providing risk-balanced legal guidance

Senior Legal Counsel, APAC

• Draft, review, and negotiate a wide variety of commercial agreements, including B2B customer contracts, SaaS agreements, API licensing, payment network agreements (e.g., Visa), and strategic partnerships.
• Support corporate compliance requirements for Mexican entities, including maintaining corporate records and liaising with external counsel as needed.
• Navigate complex, multi-jurisdictional regulatory frameworks relating to payments, digital assets, and data privacy.
• Assist in obtaining and maintaining financial licenses across key global markets.
• Provide pragmatic, business-oriented legal advice on day-to-day operational, product and strategic issues.
• Work closely with product, finance, compliance and risk teams to assess legal risks and implement solutions aligned with business goals.

Senior Legal Counsel, LATAM

Financial Planning and Analysis

• Own features end-to-end: write the spec, design the solution, build it, and operate it in production
• Design, build, and maintain backend services in Node.js / TypeScript (NestJS or Elysia) for high-performance APIs and async jobs
• Work with AWS cloud-native services (Lambda, SQS, EventBridge, Aurora, S3, CloudWatch) for scalable, resilient architectures
• Manage data storage and synchronization, working with Postgres and Aurora
• Implement and maintain CI/CD pipelines with GitHub Actions
• Contribute to architecture decisions, code reviews, and security practices
• Collaborate directly with product and business stakeholders — no PM layer, no hand-holding
• Leverage AI tools and modern development practices to drive engineering velocity

Senior Product Engineer, Embedded Finance

Account Manager

• Serve as primary executive partner for a portfolio of strategic web3/fintech customers; run QBRs/EBRs, map stakeholders, and drive multi‑product adoption.
• Identify and pursue upsell and cross-sell opportunities across Reap's product portfolio.
• Build customer health scoring, churn predictors, and adoption dashboards; establish intervention playbooks with CX/Support.
• Run structured feedback loops with clear problem statements, use‑case narratives, and quantified impact.

Senior Customer Success Manager, Africa – Account Management

• Serve as primary executive partner for a portfolio of strategic customers
• Identify and pursue upsell and cross-sell opportunities across product portfolio
• Drive activation and retention at scale

Senior Customer Success Manager – LATAM, Account Management

• Own and grow top accounts
• Build rapport and trust with customers’ key stakeholders
• Drive activation and retention at scale
• Be the voice of the customer into Product
• Lead with precision and accountability

Senior Customer Success Manager, APAC

Marketing

• Owning LATAM market activations end-to-end — events and PR
• Building local partnerships and co-marketing
• Backing our country managers across LATAM
• Localizing, not translating
• Running hands-on demand generation for Mexico — and owning the number
• Multiplying yourself with AI
• Feeding the machine

Marketing Manager, LATAM-focused

Data Analyst

• Own the development and maintenance of compliance dashboards, recurring regulatory reports, and analytical views in BI tools such as Tableau or Metabase or similar tools to support regulatory, operational, and compliance risk monitoring needs.
• Write and debug SQL queries to extract, validate, aggregate, and transform compliance-related data across systems for ad hoc analysis, reporting, and monitoring.
• Conduct deep-dive analyses on compliance trends, transactional patterns, and user behavior across cards and payments to identify anomalies, control gaps, operational blockers, and emerging risks.
• Support regulatory reporting and compliance monitoring initiatives by ensuring data accuracy, completeness, and consistency across source systems.
• Build and refine segmentation, cohort, and trend analyses to help Compliance and business teams better understand customer behavior, risk patterns, and control effectiveness.
• Analyze transactional patterns and user behavior across cards and payments to improve operational tooling, to help inform and scale operational processes like onboarding and transactional monitoring, and enable growth by identifying and removing blockers in the customer journey.
• Work in a continuous feedback loop with Data Product Managers and Data Engineers to refine analytical logic, improve data quality, and evolve reporting and data models.
• Communicate findings clearly to technical and non-technical stakeholders, including Compliance, onboarding Operations, Product, and leadership teams.
• Contribute to process improvements and automation opportunities that strengthen self-serve analytics and scalable reporting.
• Analyze onboarding funnels and client risk profiles, transactional patterns, and user behavior across cards and payments to identify friction points, reduce drop-offs, and improve both customer onboarding and operational efficiency.

Senior Compliance Business Data Analyst

• Define and drive the technical roadmap for the embedded finance platform : scalability improvements, architectural modernisation, and tech debt resolution
• Lead the adoption of AI-assisted engineering across Reap's Product Engineering teams — from AI-augmented development workflows (e.g., Claude Code, LLM-assisted code review) to agentic automation of repetitive engineering processes
• Work closely with Card Engineering Managers to align platform direction with product delivery needs, and provide hands-on technical guidance on complex problems
• Identify systemic engineering quality issues and build the case — and the plan — to address them
• Serve as a technical anchor for senior engineers across the Card domain: conducting design reviews, setting standards, and mentoring
• Lead architecture review and modernisation of embedded finance systems — service boundaries, data models, API contracts, event flows
• Identify and resolve scalability bottlenecks before they become production constraints
• Define reusable patterns and standards that Card Engineering teams can build on
• Drive platform initiatives end-to-end: from RFC through to production delivery and stability
• Conduct systematic audits of technical debt across the codebase
• Prioritise and sequence debt remediation alongside product delivery work
• Advocate for and lead refactors that have long-term impact on engineering velocity and reliability
• Lead Reap's AI adoption strategy at the engineering team level — defining what "good" looks like for AI-assisted software development
• Build and maintain reusable AI tooling, prompt patterns, and SDLC workflows (e.g., CLAUDE.md standards, agentic code review, automated test generation)
• Identify engineering processes where AI can reduce toil and improve quality — and drive those improvements into practice
• Track and report on AI adoption signals across Product Engineering teams
• Work closely with Card EMs to shape platform roadmap priorities and resolve technical dependencies
• Conduct architecture and design reviews for high-impact initiatives
• Set engineering standards for code quality, observability, testability, and reliability across the Card domain
• Mentor Staff and Senior engineers; elevate the technical bar across teams

Staff Engineer, Embedded Finance – AI

Growth Marketing

• Build and execute a territory plan for Nigeria — identifying, prioritising, and closing new logos across Reap's three product lines
• Own corridor-specific revenue motions: Nigeria→China (import payments, supplier settlements), Nigeria→UAE (trade, logistics, re-export hubs), Nigeria→UK/Europe (professional services, tech outsourcing), and inbound USD/GBP/EUR collection flows for digital exporters and freelancers
• Activate and expand accounts across Reap Connect (cross-border payouts and collections), Reap Direct (treasury and FX accounts), and Cards-as-a-Service (virtual and physical card issuance for fintechs and corporates)
• Land anchor clients — high-volume PSPs, fintechs, IMTOs, regulated crypto/VASP platforms, SME importers, and payroll/BPO companies — and turn them into referenceable, expanding accounts
• Manage the full commercial lifecycle: outbound prospecting, discovery, commercial structuring, compliance coordination, onboarding, and expansion
• Build and maintain a structured pipeline in HubSpot with accurate forecasting and stage discipline
• Act as the market intelligence layer for Nigeria — feeding corridor insights, competitor moves, client feedback, and regulatory signals back to product and leadership
• Work cross-functionally with Compliance, Operations, and Product to unblock deals and accelerate client onboarding
• Help shape the Nigeria revenue playbook that will inform future market hires across West Africa.