AML Ops Analyst (LATAM Focus) LEVEL 2

Reap; México; Presencial; MXN 732.734 - 1.282.285; Jornada completa

Descripción de la vacante

A global financial technology company is seeking an AML Ops Analyst (LATAM Focus) to oversee compliance operations, conduct due diligence, and drive AML strategies. Candidates should have over 5 years of experience in AML compliance, a strong understanding of global standards, and be fluent in English. This full-time role supports growth in the rapidly evolving fintech sector based in Mexico.

Formación

• 5+ years of experience in AML compliance within fintech or financial services.
• Strong familiarity with global AML/CTF standards.

Responsabilidades

• Own compliance operations across client lifecycle stages.
• Conduct due diligence for clients, assessing complex structures.
• Lead ongoing due diligence checks and risk re‑rating exercises.

Conocimientos

AML compliance expertise

KYC/KYB

Fluent in English

Experience with blockchain monitoring

Descripción del empleo

Join to apply for the AML Ops Analyst (LATAM Focus) LEVEL 2 role at Reap.

About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement. Through our stablecoin‑powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin‑enabled finance into their own products and services, from issuing Visa cards to facilitating cross‑border payments. Backed by leading investors including Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin‑enabled finance.

About the Team

At Reap, we are building the future of global finance—borderless, compliant, digital‑first, and secure. Our Compliance Operations Team plays a vital role in safeguarding our business and our customers as we expand across the globe. You will report to the LATAM Compliance Operations Lead and work closely with our LATAM Regulatory and Compliance Head, Global Compliance Managers and cross‑functional teams across LATAM, Head Quarters, and beyond. As part of the Legal, Risk & Compliance (LRC) function, led by our Head of LRC, you will help shape compliance operations in a fast‑paced, high‑growth fintech environment. Though headquartered in Hong Kong, we have team members working remotely in LATAM. This is a high‑impact role ideal for someone with a strong command of end‑to‑end compliance operations, global AML regulatory awareness, and a proactive mindset capable of balancing strategy and execution in a fast‑moving fintech environment.

What You’ll Do

• Own and drive end‑to‑end compliance operations across client lifecycle stages and transaction flows.
• Conduct and sign off on due diligence for new and existing clients, including assessing complex corporate structures, international UBOs, and business models with higher‑risk elements.
• Execute real‑time and post‑transaction investigations with a deep understanding of cross‑border payment risks, and identify, assess, and elevate suspicious patterns, fraud indicators, or financial crime exposure.
• Lead ongoing due diligence checks and risk re‑rating exercises, ensuring continued alignment with internal AML policies and evolving risk appetite.
• Triage and investigate alerts from internal systems (sanctions, transaction anomalies, adverse media), document cases with clear rationale, and elevate high‑risk items in line with escalation protocols.
• Interpret and leverage data trends to identify potential policy gaps, process inefficiencies, or client behavioral red flags; collaborate with analytics or product teams to refine rules and controls.
• Drive the drafting and enhancement of SOPs, control checklists, and workflows in alignment with global AML/CTF policies, partner with QA to ensure consistency and execution quality, and help design and implement the maker‑checker (2‑eye/4‑eye) process.
• Support internal reviews, audits, and regulatory inquiries by maintaining high‑quality documentation and staying audit‑ready at all times.

Qualifications & Experience

• 5+ years of experience in AML compliance within fintech, payments, cards, crypto or financial services.
• Minimum 4–5 years of experience in compliance operations or financial crime compliance, ideally with exposure to fintech, payments, EMIs/MSBs, cards, or regulated financial institutions.
• End‑to‑end exposure across KYC/KYB, transaction monitoring, STR/SAR processes, sanctions screening, and ongoing due diligence.
• Experience with blockchain monitoring tools or chain analysis is a plus.
• Strong familiarity with global AML/CTF standards (FATF, CNBV, UIF, BCB, and relevant Mexican/Brazilian regulations) and ability to translate them into operational processes within a risk‑based compliance framework.
• Proven ability to balance execution with strategy, and experience building workflows and control structures.
• Experience implementing or managing 2‑eye/4‑eye review frameworks, including performing the checker role on risk‑sensitive cases.
• Experience detecting and identifying patterns of unusual activity that lead to new types of unusual behavior.
• Strong ownership mindset, capable of leading and delivering small‑to‑medium compliance projects; comfortable coordinating across product, growth, QA, legal, and finance ops teams.
• Fluent in business English (spoken and written); ability to read and speak Portuguese is a strong advantage for candidates outside Brazil.

Seniority Level

Mid‑Senior level

Employment Type

Full‑time

Job Function

Management and Manufacturing