Reap
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.
Risk Manager, Card Issuing – Fraud
🕒 April 1
🗣️🇪🇸 Spanish Required
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Reap
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
• Lead new market expansion risk — own fraud risk management across card issuing products in new markets, ensuring controls, configurations, and scheme policy requirements are aligned from launch and maintained ongoing. • Drive BIN sponsorship risk governance — evaluate and onboard new BIN sponsorship clients through structured risk analysis, establish initial risk configurations, and maintain governance oversight of the sponsored portfolio on an ongoing basis. • Automate and scale operational risk monitoring — design and implement automated monitoring workflows covering fraud alerts, scheme notifications, and client and merchant-level risk signals, reducing manual intervention and improving response times. • Champion fraud incident investigation & response — lead deep-dive fraud investigations, BIN attack incident response, post-mortems, and cross-functional coordination. • Deliver client-facing risk advisory — work closely with clients to assess their risk appetite, quantify fraud exposure, and define the controls and thresholds appropriate to their business model, acting as a trusted risk partner throughout the relationship. • Elevate the team's data-driven approach — leverage risk metrics, dashboards, and analytical tools to make and communicate evidence-based decisions across stakeholders.
🎯 Requirements
• 8+ years of experience in risk management within a card issuer or acquirer environment, with deep knowledge of card fraud, disputes, and risk operations • 5+ years as a point of contact for card issuing and fraud with card schemes (Visa, Mastercard) — you've run the calls and built the relationships • Strong data analytics mindset — you understand risk metrics, translate data into insights, and use analytical frameworks to drive strategy (SQL is a bonus, not a must) • Demonstrated ability to manage strategic projects across multiple functions and geographies simultaneously • Fluent in Spanish and English (written and spoken) — essential for engagement with card schemes and LATAM client interactions. • Nice to Have: Experience in LATAM markets, especially Mexico. • Background in a high-growth fintech or startup environment. • Familiarity with stablecoin or web3 financial infrastructure. • Experience with tools such as Snowflake, Looker, or similar data platforms.
🏖️ 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.
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