Compliance Officer, Money Laundering Reporting Officer

Reap

Compliance Officer and MLRO owning compliance and AML/CFT programs at fintech company Reap in Hong Kong. Safeguarding regulatory integrity while partnering with global teams.

Posted 7/24/2026full-timeHong Kong • 🇭🇰 Hong KongSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in AML/CFT compliance, including filing STRs, managing regulatory inspections, and leading risk assessments. Proficient in developing and implementing AML/CFT policies aligned with Hong Kong regulations and international standards.

Highest-signal resume keywords

MLRO ExperienceFiling STRsAML/CFT Policy DevelopmentRegulatory EngagementRisk Assessment Leadership

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

AML/CFT ComplianceSTR Decision-MakingTransaction MonitoringCDD/EDD StandardsSanctions ScreeningBlockchain AnalyticsFinancial Crime InvestigationsRegulatory InspectionsAudit ManagementRisk Exposure Reporting

Soft Skills

Sound JudgementStakeholder EngagementQuality Oversight

Certifications & Qualifications

CAMSICA

Industry Keywords

Hong Kong AML RegimeAMLOJFIU ReportingFinancial InstitutionsFintechDigital AssetsPaymentsStablecoinsC&ED GuidelinesMSO Licensing

Tech Stack

Tools & technologies

Web3

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

10+ years in AML/CFT or financial crime compliance within regulated financial institutions.
Prior appointment as MLRO, Deputy MLRO or CO/AMLCO in a Hong Kong-regulated institution (MSO, SVF, bank, broker or VASP) strongly preferred.
Hands-on experience filing STRs with the JFIU and managing regulator inspections or external AML audits.
Experience in fintech, payments, cards or digital assets/stablecoins is highly desirable.
Deep knowledge of the Hong Kong regime: AMLO (Cap. 615), DTROP, OSCO, UNATMO, C&ED MSO guidelines and JFIU reporting practice.
Strong expertise in CDD/EDD, sanctions, transaction monitoring, investigations and SAR/STR decision-making.
Working knowledge of blockchain analytics, Travel Rule considerations and crypto-specific typologies is an advantage.
CAMS, ICA or equivalent professional qualification preferred.
Sound, defensible judgement under ambiguity; able to make and stand behind STR and de-risking decisions.
Experience engaging regulators, auditors and senior stakeholders directly.

Benefits

Comp & perks

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.