Transaction Monitoring Lead (Card & Crypto Payments)

As Transaction Monitoring Lead at Reap, you'll lead complex investigations across card and crypto payments while building the next generation of our monitoring capability. You'll clear critical backlogs, tune detection logic, and establish standard operating procedures that scale our program across card schemes and digital asset flows. This is a hands-on builder role for someone who thrives in ambiguity, moves fast, and brings order to complexity.

What you'll do

• 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
• Serve as the primary operational stakeholder for the Transaction Monitoring vendor as you 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 and typologies tailored to PSP and crypto-asset risks, with clear success metrics
• Draft, maintain, and own SOPs for the Transaction Monitoring function, aligned with policies owned by Financial Crime Compliance
• Translate regulatory and scheme requirements into actionable process steps and control points
• Define L1 vs. L2 escalation matrices, investigation standards, and quality control checkpoints
• Mentor peers and set investigation quality standards as the subject matter expert for Transaction Monitoring
• Provide on-call guidance for complex cases, perform spot checks and quality control reviews, and document best practices
• Lead knowledge-sharing sessions, write playbooks, and uplevel the team's capability through example and coaching

What you bring

• 8-12+ 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 Transaction Monitoring and blockchain analytics tools such as Unit21, Flagright, Chainalysis, and Elliptic, and the ability to articulate rule logic
• A start-up mindset: willing to clear alerts while building strategy, comfortable operating in evolving environments

Nice to have

• CAMS, CFE, or ICA International Diploma in AML certification
• Prior experience standing up a Transaction Monitoring function or migrating from manual to automated monitoring
• Working proficiency in SQL and/or data visualization for rule performance analysis and experiment design

What we offer

• Flexible hybrid and remote work environment with a global, collaborative team
• Use of AI tools at work and space to learn, experiment, and grow with them
• A culture of innovation, inclusion, and continuous learning

About Reap

Reap is a global financial technology company headquartered in Hong Kong, enabling financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins. Backed by Acorn Pacific, Index Ventures, and HashKey Capital, Reap provides stablecoin-powered corporate cards, payments, and expense management tools, as well as APIs enabling businesses to integrate stablecoin-enabled finance into their own products and services.