Transaction Monitoring Lead (Card & Crypto Payments)
"About The Role"
About This Role
We're looking for a hands-on Subject Matter Expert in Transaction Monitoring to lead complex investigations while helping build our next-generation monitoring capability. You'll 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 suited to someone who thrives in ambiguity, moves quickly, and brings order to complexity.
What You'll Be Doing
Lead investigations into high-risk and complex alerts covering 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 as required, maintaining robust audit trails.
Conduct deep-dive forensic analysis across fiat and blockchain transaction webs, using blockchain analytics tools where appropriate.
Act 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 and typologies tailored to PSP and crypto-asset risks, with clear success metrics.
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.
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 help uplevel the team's capability through coaching.
What We're Looking For
8-12+ years focused on Transaction Monitoring.
Background in Fintech, Payments (card issuing and/or acquiring), or Web3/Crypto, with a clear grasp of the 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.
A start-up mindset: willing to clear alerts while building strategy, and comfortable operating in evolving environments.
Bonus Points
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 Join Us
Flexible hybrid/remote work environment with a global, collaborative team.
Use of AI tools at work, with space to learn, experiment, and grow with them.
A culture of innovation, inclusion, and continuous learning.
About Reap
Reap is at the forefront of revolutionizing digital asset management, building innovative blockchain and Web3 solutions that empower businesses and individuals globally. We are a dynamic team dedicated to creating secure, efficient, and transparent financial ecosystems through cutting-edge decentralized technologies. Our mission is to democratize access to financial services and push the boundaries of what's possible in the crypto space, fostering a future where digital assets are seamlessly integrated into everyday life. Our culture at Reap is built on collaboration, continuous learning, and a passion for Web3 innovation. We value bold ideas, analytical rigor, and a commitment to excellence. We foster an environment where every team member is encouraged to contribute, experiment, and grow professionally, working alongside some of the brightest minds in blockchain development and strategy. We believe in open communication, mutual respect, and celebrating both individual and collective achievements as we navigate the exciting challenges of the decentralized world. Joining Reap means becoming an integral part of a forward-thinking company that is actively shaping the future of finance and technology. If you are a talented professional eager to make a tangible impact and thrive in a fast-paced, high-growth environment, we invite you to explore career opportunities with us. Contribute to building groundbreaking blockchain infrastructure, solve complex challenges, and help us redefine the digital asset landscape. Your journey to pioneering the next generation of Web3 solutions starts here.
Ready to Apply?
To submit your application for this position, please visit Reap's official website and follow their application process.