Senior Transaction Monitoring Lead — Remote

Reap; Philippines; Hybrid; PHP 1,200,000 - 2,400,000; Full time

Benefits offered by this job

Flexible hybrid/remote work

AI tools at work

Global team

Job summary

Reap is seeking a hands-on Subject Matter Expert in Transaction Monitoring. You will lead investigations spanning AML, fraud, and crypto typologies, triage backlogs, and file SARs/STRs as required. You will design detection logic, tune rules, and establish scalable SOPs in a global, hybrid work environment.

You will collaborate with Product and Engineering to reduce false positives, migrate to automated systems, and mentor the TM team while upholding governance and regulatory standards.

Qualifications

• 8-12+ years focused on Transaction Monitoring.
• Background in Fintech, Payments, or Web3/Crypto with clear fiat vs blockchain flows.
• Deep knowledge of Visa/Mastercard scheme monitoring obligations and AML/fraud typologies.
• Hands-on experience with TM and blockchain analytics tools (e.g., Unit21, Flagright, Chainalysis, Elliptic).
• Start-up mindset: comfortable operating in evolving environments and clearing alerts while building strategy.

Responsibilities

• Transaction Monitoring & Investigations (hands-on) across AML, fraud, and crypto typologies.
• Triage and clear backlogs for card scheme and digital asset alerts within SLAs; document rationale/outcomes.
• Prepare and file SARs/STRs with authorities where required; maintain audit trails.
• Perform deep forensic analysis across fiat and blockchain transaction webs; leverage analytics.
• Serve as primary PMO for TM vendor as we migrate to automated systems; role in rule tuning.
• Analyze alert performance; reduce false positives; propose rule-tuning changes with Product & Engineering.
• Design, test, and promote new scenarios tailored to PSP and crypto-asset risks, with success metrics.
• Draft and own SOPs for TM; translate regulatory and scheme requirements into process steps.
• Define escalation matrices, investigation standards, and QC checkpoints.
• Mentor peers; provide on-call guidance; lead knowledge-sharing sessions and write playbooks.

Skills

Transaction Monitoring

Fintech/Payments/Web3

AML & Fraud Typologies

SQL & Data Visualization

Visa/Mastercard Scheme Monitoring

Tools

Unit21

Flagright

Chainalysis

Elliptic

Job description

Reap is seeking a hands-on Subject Matter Expert in Transaction Monitoring. You will lead investigations spanning AML, fraud, and crypto typologies, triage backlogs, and file SARs/STRs as required. You will design detection logic, tune rules, and establish scalable SOPs in a global, hybrid work environment.

You will collaborate with Product and Engineering to reduce false positives, migrate to automated systems, and mentor the TM team while upholding governance and regulatory standards.