Transaction Monitoring Lead (Card & Crypto Payments)

As a Transaction Monitoring Lead at Reap, you will lead complex investigations and build the next generation of monitoring capability for a global fintech company enabling financial connectivity through stablecoin-powered payments and corporate cards. You'll clear critical backlogs, tune detection logic, and establish procedures that scale our program across card schemes and digital asset flows, thriving in a hands-on builder role that 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 FCC.
• Translate regulatory and scheme requirements into actionable process steps and control points.
• Define L1 vs. L2 escalation matrices, investigation standards, and QC checkpoints.
• Serve as subject matter expert for Transaction Monitoring, 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.

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 and 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.
• 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.
• 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 with the 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 for efficient money movement. The company offers stablecoin-powered corporate cards, payments, expense management tools, and APIs that enable businesses to integrate stablecoin-enabled finance into their own products. Backed by leading investors including Acorn Pacific, Index Ventures, and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.