Analyst, Financial Crime Operations (APAC Focus)

Reap; Malaysia; Hybrid; MYR 100,000 - 130,000; Full time

Job summary

A global financial technology company is seeking a high-performing compliance professional to manage end-to-end compliance operations. Candidates must have 5–7 years of experience in compliance or financial crime compliance, ideally in fintech. Responsibilities include KYC/KYB operations, transaction monitoring, and process improvement. Strong knowledge of AML/CTF standards is essential, along with the ability to work independently across teams. Competitive compensation and opportunity for growth are offered.

Benefits

Flexible working hours

Possibility for compensatory leave during local public holidays

Qualifications

• Minimum of 5-7 years in compliance operations or financial crime compliance, ideally with fintech exposure.
• Strong familiarity with global AML/CTF standards.

Responsibilities

• Own and drive end-to-end compliance operations across transaction flows.
• Conduct and sign off on KYC/KYB due diligence.
• Execute post-transaction investigations and monitor alerts.
• Lead ongoing due diligence checks aligned with AML policies.

Skills

Compliance operations

Risk assessment

Data analysis

KYC/KYB

Project management

Education

5–7 years in compliance or financial crime compliance

Tools

AML/CTF frameworks

Compliance monitoring systems

Job description

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.

Operations at Reap

At Reap, Operations is more than a function—it’s what makes scale possible. We build the foundation for our products: an intelligent, automated framework that delivers seamless customer experiences. Our mission is to turn complexity into competitive advantage. We treat manual tasks as bugs to be fixed and operate as the critical link between innovative products and real‑world delivery.

We’re looking for architects, not just operators. If building elegant solutions for complex problems energizes you—and you want to shape the operational backbone for global finance—this is your team.

What You’ll Do

You will own and drive end-to-end compliance operations across client lifecycle stages and transaction flows. Key responsibilities include:

• Onboarding KYC/KYB Reviews
  • 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.
• Payment Reviews & Transaction Monitoring
  • Execute real-time and post-transaction investigations with a deep understanding of cross-border payment risks. Identify, assess, and elevate suspicious patterns, fraud indicators, or financial crime exposure.
• Periodic Reviews & Ongoing Monitoring
  • Lead ongoing due diligence checks and risk re‑rating exercises, ensuring continued alignment with internal AML policies and evolving risk appetite.
• Alert Handling & Investigations
  • Triage and investigate alerts from internal systems (e.g., sanctions, transaction anomalies, adverse media). Document cases with clear rationale and elevate high‑risk items in line with escalation protocols.
• Risk‑Based Thinking & Data Analysis
  • Interpret and leverage data trends to identify potential policy gaps, process inefficiencies, or client behavioural red flags. Collaborate with analytics or product teams to refine rules and controls.
• SOP Development, QA Involvement & Project Ownership
  • Drive the drafting and enhancement of SOPs, control checklists, and workflows in alignment with global AML/CTF policies. Partner with the QA team to ensure consistency and execution quality. You will also help design and implement the maker‑checker (2‑eye/4‑eye) process, and serve as checker for escalated or sensitive cases.
• Regulatory Readiness
  • Support internal reviews, audits, and regulatory inquiries by maintaining high‑quality documentation and being audit‑ready at all times.

What We’re Looking For

We’re seeking a high‑performing compliance professional who can operate independently while contributing to the strategic buildout of our global compliance operations.

Experience

• Minimum 5–7 years of experience in compliance operations or financial crime compliance, ideally with exposure to fintech, payments, EMIs/MSBs, or regulated financial institutions
• End‑to‑end exposure across KYC/KYB, transaction monitoring, STR/SAR processes, sanctions screening, and ongoing due diligence

AML Knowledge

• Strong familiarity with global AML/CTF standards (e.g., FATF, FinCEN, MAS, HKMA, FCA) and ability to translate them into operational processes within a risk‑based compliance framework

Strategic Execution & Maker‑Checker Design

• 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

Project Ownership

• Strong ownership mindset, with the ability to lead and deliver small‑to‑medium compliance projects
• Comfortable coordinating across teams such as Product, Growth, QA, Legal, and Finance Ops

Work Ethic & Time Zone Flexibility

• Able to work independently and align with Hong Kong public holidays
• Willing to work during local public holidays if based outside of Hong Kong (compensatory leave will be provided)

Language Proficiency

• Fluent in business English (spoken and written)
• Ability to read Chinese (Traditional and Simplified) is a plus
• Proficiency in any additional language (e.g., Spanish, Portuguese, etc.) is a strong advantage

After submitting your application, please check your inbox for a confirmation email. If you don't see it, kindly check your spam or junk folder and adjust your settings to ensure future communication reaches your inbox. You can follow the steps here.