Head of Financial Crime Compliance

🔥 12 minutes ago

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Reap

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2018

💳 Fintech

₿ Crypto

🤝 B2B

Fintech • Crypto • B2B

Reap is a fintech company providing borderless, stablecoin-enabled financial infrastructure for businesses. It offers business accounts (Reap Direct), Visa corporate cards with fiat and stablecoin repayment, cross-border payments powered by stablecoins, expense management for multi-currency treasuries, and embedded finance APIs including card issuing and payment APIs to automate global fiat payouts and enable stablecoin-native finance.

📋 Description

• Own and maintain the Group Financial Crime Compliance framework, policies and standards. • Lead enterprise-wide AML/CFT risk assessments across all jurisdictions. • Define financial crime risk appetite, governance standards and oversight mechanisms. • Drive FCC maturity, audit readiness and remediation programmes. • Oversee higher-risk client and transaction reviews. • Provide guidance on sanctions, PEP, adverse media and financial crime escalations. • Govern transaction monitoring, sanctions screening and ongoing due diligence frameworks. • Review complex investigations and oversee SAR/STR decision-making. • Own transaction monitoring governance, typology development and detection optimisation. • Identify emerging financial crime risks and recommend enhancements to controls and detection capabilities. • Provide oversight of financial crime requirements across sponsor programmes. • Act as a key point of contact for regulators, auditors and external stakeholders on financial crime matters. • Build organisational capability through training, awareness and continuous development.

🎯 Requirements

• 12–15+ years' experience in AML/CFT, financial crime compliance or regulatory compliance. • Proven experience as an MLRO, AMLCO or Head of AML/CFT within a regulated financial institution. • Experience building and scaling compliance functions across multiple jurisdictions. • Experience supporting Visa or Mastercard programmes is highly desirable. • Experience with digital assets, stablecoins or fintech products is advantageous. • Deep knowledge of AML/CFT regulations, FATF standards and risk-based compliance frameworks. • Strong expertise in transaction monitoring, sanctions screening, investigations and financial crime risk management. • Strong understanding of SAR/STR requirements, EDD and ongoing due diligence. • Leadership and people management experience. • Experience engaging regulators, auditors, boards and senior stakeholders. • Strong cross-functional collaboration skills across Product, Commercial, Operations and Engineering. • Experience with leading KYC, KYB, transaction monitoring and blockchain analytics platforms. • Strong understanding of compliance reporting, management information and data-driven decision-making. • Experience overseeing AI or machine learning applications within compliance, risk or financial crime functions.

🏖️ Benefits

• Flexible remote work environment with a global, collaborative team. • Insurance coverage after probation. • Reap Card stipend. • Use of AI tools at work — and the space to learn, experiment, and grow with them. • A culture of innovation, inclusion, and continuous learning.