Role in brief
Reap is looking for a Transaction Monitoring Lead to manage investigations and optimize monitoring in card and crypto payments. Ideal candidates have extensive experience in transaction monitoring within fintech or crypto, and a hands-on approach to problem-solving.
About the role
At Reap, you will lead investigations into high-risk alerts related to AML and fraud in both card and crypto transactions. You will be responsible for managing existing alerts and ensuring compliance with regulatory requirements, including the preparation of necessary reports for authorities.
You will also play a key role in optimizing the transaction monitoring systems by analyzing alert performance and collaborating with product and engineering teams to reduce false positives. Additionally, you will create and maintain standard operating procedures to ensure effective governance of the monitoring processes.
Skills that matter here
- Transaction Monitoring: You will lead investigations and manage alerts related to AML and fraud.
- AML: A deep understanding of AML regulations is crucial for preparing reports and ensuring compliance.
- Fraud Detection: You will identify and analyze fraud typologies within card and crypto transactions.
- Blockchain Analytics: This role requires hands-on experience with blockchain analytics tools for forensic analysis.
- SQL: Proficiency in SQL will aid in analyzing rule performance and designing experiments.
- Data Visualization: You will utilize data visualization for monitoring and performance analysis.
Who this role suits
- Candidates should have a strong background in fintech or crypto, particularly in transaction monitoring.
- You are comfortable working in a dynamic environment and are proactive in problem-solving.
- A collaborative mindset is essential, as you will mentor peers and lead knowledge-sharing sessions.
- You should be willing to engage in hands-on work while also focusing on strategic improvements.
From the employer
1) 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-dive forensic analysis across fiat and blockchain transaction webs, leveraging blockchain analytics where appropriate.
2) 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.
3) 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.
4) 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.
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.
Questions about this role
What is the remote policy?
The role allows for a flexible hybrid or remote work environment.
What level of experience is required?
Candidates should have 8-12+ years of experience focused on transaction monitoring.
How do I apply for this position?
Interested candidates can apply through the company's website at https://reap.global/?ref=sailonchain.com.
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