Reap

Full-stack 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

• Own the full development lifecycle of features end to end — from conception through deployment and operation
• Build scalable, maintainable, and robust full-stack systems
• Collaborate closely with other engineers and product stakeholders to design solutions
• Lead by example and raise the bar for engineering practices and quality

Senior Software Engineer

Financial Planning and Analysis

• Coordinate the group reporting and consolidation process, working closely with the Reporting Lead to ensure all entities and business lines are closed accurately and on schedule each period.
• Manage and develop the business line reporting team, overseeing the Finance Managers / Senior Financial Analysts who own individual business lines.
• Provide technical guidance, review their work, and ensure consistency in methodology and quality across the group.
• Own the group consolidation workpapers, including intercompany eliminations, foreign currency translation, tiered sub-consolidation and top-level Reap Group consolidation.
• Drive the month-end and quarter-end close calendar, setting deadlines, tracking progress, and resolving bottlenecks.
• Ensure consistency and accuracy of reporting across all entities, establishing and enforcing group accounting policies, chart of accounts standards, and reporting templates.
• Design and implement reporting process improvements, identifying opportunities to automate consolidation steps, streamline intercompany reconciliation, and reduce manual adjustments.
• Prepare and review group management reporting packages, including consolidated P&L, balance sheet, cash flow, and segmental analysis.
• Support statutory reporting and regulatory filings across multiple jurisdictions, coordinating with local finance teams and external advisors to ensure compliance with local GAAP / IFRS requirements and filing deadlines.
• Contribute to special projects such as investor reporting, new entity setups, and ERP system enhancements as they arise.

Senior Finance Manager, Group Reporting

• Own end-to-end financial reporting for a designated business line, from transaction capture through to month-end close and management reporting.
• Drive the monthly close process for your business line, including journal entry preparation and review, account reconciliations, variance analysis, and balance sheet substantiation.
• Build and maintain reconciliations between source and the general ledger, identifying and resolving discrepancies.
• Develop and automate reporting workflows, leveraging SQL and data tools to extract, transform, and load financial data.
• Ensure accurate revenue recognition and cost allocation in compliance with IFRS, particularly for complex transaction types involving multi-currency flows, stablecoin settlements, interchange, and fee structures.
• Prepare management reports and analysis for your business line, providing insights on performance trends, margin drivers, and variances against forecast and prior periods.
• Support external audit and regulatory requirements by preparing schedules, responding to queries, and maintaining documentation that meets PwC audit standards.
• Collaborate with cross-functional teams (product, engineering, operations, FP&A) to understand business changes, new product launches, and their accounting implications.
• Strengthen internal controls and standard operating procedures for your business line's reporting processes, ensuring operational effectiveness and compliance.

Finance Manager – Senior Financial Analyst, Business Line Reporting

Strategy

• Own the pricing strategy across the business lines.
• Design, maintain, and evolve pricing frameworks for Reap's product stack.
• Analyse interchange economics, scheme fee structures, FX spreads, subscription tiers, and contract-level unit economics to ensure pricing captures value and supports margin targets.
• Optimise and extend product pricing structures.
• Evaluate and refine pricing models as products evolve.
• Ensure pricing architecture scales with the product suite rather than fragmenting across one-off deal terms.
• Build the commercial modelling capability.
• Develop financial models and provide the analytical backbone for new deal structuring, partnership agreements, and product launches.
• Drive customer and partner segmentation.
• Act as the commercial SME in strategic deals.
• Support strategic integration workstream - cross-sell economics, joint go-to-market pricing, embedded product structures, and synergy tracking.

Pricing & Commercial Strategy Manager

• Architect, build, and maintain robust integrations between our platform and external third-party systems
• Ensure scalability, reliability, and security within our AWS environment
• Design and implement well-structured APIs and services that enable seamless data exchange across platforms, following best practices in versioning, authentication, and error handling
• Build and operate services on AWS with strong CI/CD practices and infrastructure-as-code (IaC) to enable reliable, repeatable deployments
• Implement monitoring, logging, and alerting for integrations
• Investigate incidents, resolve root causes, and proactively harden systems against recurrence
• Use AI tools in day-to-day development (e.g., for code generation, debugging, test creation, and documentation) and help establish practical AI adoption across the team

Senior Software Engineer – Platform

Product Manager

• Own the end-to-end product workstream for launching Reap's card issuing infrastructure into European and African markets
• Lead the launch of new card schemes in your markets
• Build market requirements documents covering the full card issuing stack
• Project manage the expansion across cross-functional teams
• Own the go-live checklist for each market and scheme
• Own the transition from MVP to full capability
• Own the ongoing BAU for your markets
• Track and respond to ongoing regulatory changes

Product Manager, Card Issuing – Market Expansion

• As a Senior Software Engineer on the AOM team, you'll own the full development lifecycle of features, from conception to deployment.
• You'll play a key role in creating scalable, maintainable, and robust systems and user interfaces that are truly customer-centric.
• Working within a cross-cutting team, you'll collaborate closely with other engineers and product stakeholders to design and craft innovative solutions that directly address our clients' everyday challenges.
• 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, Account Onboarding – Management

Backend Engineer

• Own the end-to-end technical integration between Reap and the partner — including design, implementation, testing, deployment, and ongoing maintenance
• Build and operate bidirectional data flows: inbound (partner → Reap: funding, settlement, account events) and outbound (Reap → partner: card events, transaction data, reconciliation signals)
• Serve as Reap's primary technical point of contact with the partner's engineering team — attending syncs, reviewing their API specs, and driving alignment on integration contracts
• Translate the partner's technical requirements and constraints into well-scoped engineering work inside Reap's systems
• Collaborate closely with internal Reap teams — Card, Treasury, Onboarding, Compliance — to ensure integration requirements are correctly surfaced and delivered
• Monitor integration health in production; own incident response for integration-layer issues
• Maintain thorough integration documentation: API contracts, data flow diagrams, runbooks, and change logs
• Design robust, fault-tolerant bidirectional integration architecture between Reap and our partner
• Implement APIs, webhooks, event consumers, and data transformation layers
• Ensure data consistency, idempotency, and auditability across integration boundaries
• Build test suites covering integration contracts and edge cases
• Maintain a close working relationship with partner's engineering and product teams
• Drive joint technical decision-making on integration patterns, versioning, and deprecation
• Proactively surface blockers and misalignments before they become production issues
• Work with Card, Treasury, Onboarding, and Compliance engineers to deliver integration dependencies
• Represent the integration workstream in Reap engineering planning and reviews
• Own observability for the integration layer: dashboards, alerting, and SLA tracking
• Lead incident response and post-mortem processes for integration-related issues
• Continuously improve integration stability and reduce operational toil

Senior Software Engineer, Backend – API Integrations

• Own the end-to-end product workstream for launching Reap's card issuing infrastructure into European and African markets — from regulatory readiness through processor integration to first client live.
• Lead the launch of new card schemes in your markets — owning the scheme onboarding process, program setup, and BIN acquisition.
• Build market requirements documents covering the full card issuing stack: scheme approvals, processor integration, KYB/KYC, transaction processing, AML monitoring, card provisioning, and shipping.
• Project manage the expansion across cross-functional teams — Risk, Compliance, Finance, Treasury, Onboarding, Core Product, and Engineering. You define what needs to be built and drive delivery to timeline across all workstreams.
• Own the go-live checklist for each market and scheme — from scheme approval to first test transaction to first client processing.
• Once a market launches, own the transition from MVP to full capability — closing feature gaps, enabling deferred capabilities, and responding to early client feedback.
• Own the ongoing BAU for your markets — you launched them, you run them.
• Work with Core product teams to bring Reap's full product suite to your markets.
• Own market-specific risk and compliance issues — from local AML requirements and country restriction policy changes to scheme audit responses and remediation items.
• Track and respond to ongoing regulatory changes, scheme rule updates, and processor requirement changes across all schemes operating in each market.

Product Manager, Card Issuing – EU, Africa Expansion

• Own CaaS web3 capabilities — build secure, scalable blockchain systems for card-as-a-service, asset management, and financial use cases
• Lead wallet infrastructure discovery and development — architecting wallet solutions that support Reap's product roadmap
• Build backend services (Node.js/TypeScript) to support on-chain functionality, working closely with backend engineering
• Collaborate with product and business teams to translate ideas into clear, secure technical execution
• Contribute to architecture decisions, code reviews, and security audits
• Leverage AI tools and modern development practices to drive engineering efficiency and velocity

Senior Software Engineer/Tech Lead, Web3 Initiatives – Backend-focused

Data Analyst

• Assist in collecting, validating, and cleaning data from multiple internal systems (e.g., transaction data, finance, and operational tables) to ensure accuracy and consistency for reporting.
• Support the creation and maintenance of BI dashboards and reports in tools such as Looker or Metabase to track key business metrics and operational KPIs.
• Write and debug basic SQL queries to extract, aggregate, and transform data for ad‑hoc analyses and recurring reports.
• Collaborate with analysts and product teams to understand business questions, translate them into simple analytical tasks, and document the assumptions and logic behind calculations.
• Help maintain data quality by validating outputs, flagging inconsistencies, and contributing to data‑dictionary or documentation efforts for shared data assets.
• Participate in team meetings, present findings succinctly, and incorporate feedback to refine analyses and visualizations.

Data Analyst, BI Intern

• Design and deploy production-grade smart contracts across multiple blockchains (Solana, Ethereum, and others as the business expands)
• Own CaaS web3 capabilities — build secure, scalable blockchain systems for card-as-a-service, asset management, and financial use cases
• Lead wallet infrastructure discovery and development — architecting wallet solutions that support Reap's product roadmap
• Build backend services (Node.js/TypeScript) to support on-chain functionality, working closely with backend engineering
• Collaborate with product and business teams to translate ideas into clear, secure technical execution
• Contribute to architecture decisions, code reviews, and security audits
• Leverage AI tools and modern development practices to drive engineering efficiency and velocity

Senior Software Engineer/Tech Lead, Web3 Initiatives

Financial Crime

• Define and drive the platform roadmap
• Build the integrations and visibility needed to see across funds flow and transactions
• Partner with compliance and risk teams to understand market-specific typologies
• Treat compliance as a lever for differentiation

Senior Product Manager, Risk & Compliance Platform – AML & Transaction Monitoring

• Design and build global, asset-agnostic money movement systems
• Partner with engineering, product, customer success, and finance teams
• Build flows that handle both fiat and stablecoins