Reap

• 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.

• Conduct pre-publication review of TPA and client marketing materials against scheme brand standards and programme rules. • Run periodic post-publication sweeps across digital and physical marketing channels to identify unapproved, outdated, or non-compliant materials, and log findings for remediation tracking. • Maintain the live TPA and PIF registries, including tracking submission statuses, modifications, renewal dates, and ongoing requirements set by the schemes. • Monitor TPA and PIF submission statuses in the registry and follow up on outstanding items with internal stakeholders and, where directed, with the schemes. • Triage incoming scheme queries and flagged cases (e.g. marketing flags, registry discrepancies), drafting responses and action plans. • Support periodic and annual client reviews: compile client data packs, run first-pass checks against the client review checklist, and draft review summaries with recommended actions. • Maintain Reap's scheme compliance tracker and document management discipline across marketing, TPA, and PIF records — version control, retention, and audit-readiness. • Monitor Visa Business News (and other scheme bulletins) for new releases, logging items and flagging those with potential operational impact for compliance officer assessment. • Work closely with the global Scheme Compliance team to improve processes, share learnings, and collaborate on ways of working across jurisdictions.

• Design, develop, and deploy scalable applications in our AWS environment, ensuring the implementations meet business requirements and adhere to high-quality standards. • Collaborate closely with cross-functional teams, including product managers, designers, and fellow engineers, driving seamless product development from concept to deployment. • Keep our tech stack modern and competitive by staying current with the latest industry trends and technologies. • Enhance system observability and reliability through writing tests, adding key metrics, debugging issues, and learning from incidents. • Contribute to our team's growth by assisting with resume screening and conducting interviews for new talent.

• own onboarding flows, improve KYB/KYC docs, reduce cycle times, and collaborate with Compliance, Product, and Tech to scale • document, systematise, and progressively automate processes • work closely with the Product and Tech teams to design workflows • Conduct checklist-based reviews of documentation submitted by clients during onboarding, verifying completeness and consistency against internal requirements • Identify missing, incomplete, or inconsistent documentation and issue Requests for Information (RFIs) to clients to obtain outstanding items • Maintain accurate, audit-ready records of documentation received, RFIs issued, and case status throughout the onboarding workflow • Own and drive end-to-end onboarding operational flows, identifying bottlenecks and implementing improvements to reduce onboarding cycle times • Track case progress across the pipeline and proactively follow up to keep cases moving without unnecessary delays • Own onboarding speed KPIs and work collaboratively with the Compliance team to drive faster decision turnaround without compromising quality • Document and systematise all onboarding operational processes into clear, repeatable SOPs, built from the ground up to be automation-ready • Identify which parts of the onboarding workflow are candidates for agentic automation and work with the Product and Tech teams to progressively implement these via automation and AI tooling • Drive the transition from manual execution to AI-assisted workflows over time • Prepare and submit Partner Information Forms (PIFs) and supporting documentation required by card schemes for partner onboarding and certification processes • Coordinate third-party reviews required by card schemes and other network partners, managing timelines, documentation packages, and follow-ups to ensure submissions are complete and on schedule

• Own Corporate Cards end-to-end: Take full responsibility for Reap Card as a product, from strategy and discovery through delivery, iteration, and ongoing operational follow-through. • Set direction and prioritise: Build a clear point of view on what the product needs, decide what to do now versus later, and keep the roadmap focused on the things that genuinely matter for customers and the business. • Turn complexity into a clear experience: Work closely with engineering, design, and our infrastructure teams to translate the moving parts behind card issuing and spend into workflows and experiences that feel simple, reliable, and trustworthy for business customers. • Raise the bar on quality and completeness: Look across the full lifecycle of the product, find the gaps and rough edges, and drive steady improvements in reliability, usability, and operational efficiency. • Partner across the organisation: Work fluidly with engineering, design, compliance, operations, finance, and go-to-market teams to ship well and to keep the product healthy as it scales.

• Draft, review, and negotiate a wide variety of commercial agreements, including B2B customer contracts, SaaS agreements, API licensing, payment network agreements (e.g., Visa), and strategic partnerships. • Support corporate compliance requirements for Mexican entities, including maintaining corporate records and liaising with external counsel as needed. • Navigate complex, multi-jurisdictional regulatory frameworks relating to payments, digital assets, and data privacy. • Assist in obtaining and maintaining financial licenses across key global markets. • Provide pragmatic, business-oriented legal advice on day-to-day operational, product and strategic issues. • Work closely with product, finance, compliance and risk teams to assess legal risks and implement solutions aligned with business goals.

• Draft, review, and negotiate a wide variety of commercial agreements • Act as the embedded legal advisor to our Product and Engineering teams • Navigate complex, multi-jurisdictional regulatory frameworks relating to payments, digital assets, and data privacy • Act as a trusted business partner, providing risk-balanced legal guidance

• Monitorear cambios en las reglas del esquema, boletines y requisitos de cumplimiento; evaluar el impacto en los programas de Reap y recomendar acciones. • Manejar consultas de esquemas y casos de remediación • Mantener los registros TPA y PIF en vivo, incluyendo el seguimiento de modificaciones y requisitos establecidos por los esquemas • Colaborar con partes interesadas interfuncionales para identificar brechas en documentos de programas de clientes

• Own features end-to-end: write the spec, design the solution, build it, and operate it in production • Design, build, and maintain backend services in Node.js / TypeScript (NestJS or Elysia) for high-performance APIs and async jobs • Work with AWS cloud-native services (Lambda, SQS, EventBridge, Aurora, S3, CloudWatch) for scalable, resilient architectures • Manage data storage and synchronization, working with Postgres and Aurora • Implement and maintain CI/CD pipelines with GitHub Actions • Contribute to architecture decisions, code reviews, and security practices • Collaborate directly with product and business stakeholders — no PM layer, no hand-holding • Leverage AI tools and modern development practices to drive engineering velocity

• Own the development and maintenance of compliance dashboards, recurring regulatory reports, and analytical views in BI tools such as Tableau or Metabase or similar tools to support regulatory, operational, and compliance risk monitoring needs. • Write and debug SQL queries to extract, validate, aggregate, and transform compliance-related data across systems for ad hoc analysis, reporting, and monitoring. • Conduct deep-dive analyses on compliance trends, transactional patterns, and user behavior across cards and payments to identify anomalies, control gaps, operational blockers, and emerging risks. • Support regulatory reporting and compliance monitoring initiatives by ensuring data accuracy, completeness, and consistency across source systems. • Build and refine segmentation, cohort, and trend analyses to help Compliance and business teams better understand customer behavior, risk patterns, and control effectiveness. • Analyze transactional patterns and user behavior across cards and payments to improve operational tooling, to help inform and scale operational processes like onboarding and transactional monitoring, and enable growth by identifying and removing blockers in the customer journey. • Work in a continuous feedback loop with Data Product Managers and Data Engineers to refine analytical logic, improve data quality, and evolve reporting and data models. • Communicate findings clearly to technical and non-technical stakeholders, including Compliance, onboarding Operations, Product, and leadership teams. • Contribute to process improvements and automation opportunities that strengthen self-serve analytics and scalable reporting. • Analyze onboarding funnels and client risk profiles, transactional patterns, and user behavior across cards and payments to identify friction points, reduce drop-offs, and improve both customer onboarding and operational efficiency.