Transaction Monitoring Lead (Card & Crypto Payments)

As the Transaction Monitoring Lead at Reap, you will lead complex investigations across card and crypto payments while building the next generation of our monitoring capability. You will clear critical backlogs, tune and design detection logic, and establish standard operating procedures that scale our program across card schemes and digital asset flows. This is a hands-on 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 forensic analysis across fiat and blockchain transaction webs, leveraging blockchain analytics tools 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 TM 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 TM, 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 TM 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, and comfortable operating in evolving environments

Nice to have

• CAMS, CFE, or ICA International Diploma in AML certification
• Prior experience standing up a TM 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 that enables financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement. Through stablecoin-powered corporate cards, payments, expense management tools, and APIs, Reap helps businesses scale and integrate stablecoin-enabled finance into their own products. The company is backed by leading investors including Acorn Pacific, Index Ventures, and HashKey Capital.