Transaction Monitoring Lead (Card & Crypto Payments)

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

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 Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.

Why Reap?

We are seeking a hands‑on Subject Matter Expert in Transaction Monitoring to lead complex investigations while building the next generation of our monitoring capability. You will clear critical backlogs, tune and design detection logic, and establish SOPs that scale our program across card schemes and digital asset flows. This is a builder role for someone who thrives in ambiguity, moves fast, and brings order to complexity.

What You’ll Do

• Transaction Monitoring & Investigations (hands‑on)
• 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‑deep forensic analysis across fiat and blockchain transaction webs, leveraging blockchain analytics where appropriate.
• System Optimization & Rule Tuning
• Serve as the primary operational stakeholder for the Transaction Monitoring vendor as we 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/typologies tailored to PSP and crypto‑asset risks, with clear success metrics.
• Process Governance & Procedure Creation
• 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.
• Mentorship & Leadership
• 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 We’re Looking For

Must-haves

• 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/Mastercard scheme monitoring obligations and relevant AML and fraud typologies.
• Hands‑on experience with modern TM and blockchain analytics tools (e.g., Unit21, Flagright, Chainalysis, 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‑haves

• CAMS, CFE, or ICA International Diploma in AML.
• 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.

Why You’ll Love it Here

• Flexible hybrid/remote work environment with a global, collaborative team.
• Use of AI tools at work - and the space to learn, experiment, and grow with them.
• A culture of innovation, inclusion, and continuous learning.