Senior Product Manager, Client Activation (B2B Onboarding, KYC/KYB)

Reap; United States; Remote; USD 150,000 - 210,000; Full time

Job summary

Reap is seeking a Senior Product Manager to own client activation and onboarding as it expands across markets. You will design fast, compliant onboarding that scales across geographies, products, and flows, built on adaptable systems.

You will drive activation metrics, partner with Compliance and Legal, and lead cross-functional collaboration with Engineering, Ops, and GTM to reduce friction and accelerate time-to-activate.

Qualifications

• Built B2B onboarding/activation systems in regulated fintech.
• Deep fluency in the AML stack across geographies, product lines, and flow types.
• Treats compliance as a design constraint, not an obstacle to progress.
• Builds scalable, configurable systems with reusable components.

Responsibilities

• End-to-end activation funnels from application through first value.
• In-product AML/KYC stack ownership & verification controls.
• Vendor and orchestration strategy for KYC/KYB providers and workflow engines.
• Design scalable onboarding architecture with configurable flows per jurisdiction.
• Partner with Compliance/Legal to translate licensing obligations into product requirements.
• Cross-functional orchestration with Engineering, Ops, Compliance, and GTM.

Skills

B2B onboarding

AML stack fluency

Systems thinking

Data-driven decisions

AI-first mindset

Tools

KYC/KYB providers

Identity verification vendors

Workflow engines

Job description

About ReapReap 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, the company is building the future of borderless, stablecoin-enabled finance.

Role Overview

We are looking for a Senior Product Manager to own and scale the company's client activation and onboarding experience as we expand into new markets and unlock new use cases. Client Activation is the company's #1 objective - this role sits at the centre of it.

You will design onboarding that turns regulatory complexity into a competitive advantage: fast, compliant, consistent client activation across geographies, products, and flow types, built on systems that scale and differentiate the company in the market.

What You’ll Do

• End-to-end activation funnels - from application through identity verification, KYC/KYB, AML screening, risk assessment, account setup, and first value. Our core motion is B2B, with consumer use cases alongside it.

• The verification and AML stack in-product - identity and entity verification (KYC/KYB), document and registry checks, sanctions and PEP screening, risk decisioning, and controls that keep us audit-ready across jurisdictions.

• Vendor and orchestration strategy - select, integrate, and get the most out of KYC/KYB providers, identity verification vendors, and workflow engines.

• Scalable onboarding architecture - configurable flows, rules, and decisioning that adapt to jurisdiction-specific requirements without bespoke rebuilds, plus the activation playbook that lets the company enter new markets and launch new use cases faster each time.

• Regulatory-by-design product thinking - partner deeply with Compliance and Legal to translate licensing and regulatory obligations into product requirements that don't compromise client experience.

• Cross-functional orchestration - partner closely with Engineering day-to-day, and work across Ops, Compliance, and GTM to remove friction, reduce manual review, and improve conversion and time-to-activate.

• Metrics and iteration - own activation funnel metrics (conversion, time-to-activation, verification speed, manual review rates, drop-off by stage and market), run experiments, and drive a roadmap grounded in data.

What We’re Looking For

• Built B2B onboarding/activation systems in regulated fintech - hands-on PM experience shipping client onboarding, KYC/KYB, or activation products. B2B is essential; exposure to consumer onboarding is valuable too.

• Deep fluency in the AML stack - identity verification, KYC/KYB, sanctions and PEP screening, licensing, and data requirements across geographies, product lines, and flow types - plus hands-on experience with onboarding vendors and orchestration tools (KYC/KYB providers, identity verification vendors, workflow engines).

• Thinks holistically - weighs client experience, legal and regulatory requirements, and operationalising together in every product decision; treats compliance as a constraint to design within, not an obstacle to route around.

• Systems thinker - builds scalable, configurable systems (rules engines, modular flows, reusable components), not market-by-market one-offs.

• Client experience obsession - judges every flow by how it feels to a good client: fewer steps, less friction, faster to first value.

• Data-driven - defines metrics, diagnoses drop-off, and prioritises by impact.

• Thinks and acts AI-first - uses AI across how they work and what they build.

• Senior PM craft - operates autonomously, partners closely with Engineering, drives alignment across Ops, Compliance, Legal, and GTM, and communicates clearly with leadership.

Nice to have

• Experience in the crypto / digital assets space (regulated fintech remains the must-have; crypto is a bonus).

• Experience building onboarding across multiple geographies and regulatory regimes.

• Familiarity with payments, cards and cross-border money movement.

• Prior work in a high-growth fintech scaling into new markets.