Head of Financial Crime Compliance
Reap helps businesses access financial services by providing stablecoin-enabled corporate cards and cross-border payment solutions without traditional banking requirements.
Funding
Projects
About Reap
Reap helps digital-led businesses manage payments by providing stablecoin-enabled financial infrastructure. With it, businesses can access corporate credit cards without bank accounts, make cross-border payments using stablecoins, and manage expenses globally. Reap serves Web3 companies and traditional businesses seeking efficient payment solutions.
Skills
About the Role
You will lead and scale Reap's global Financial Crime Compliance function across multiple jurisdictions, ensuring the organisation maintains a robust, scalable and audit-ready AML/CFT framework. You will own the Group Financial Crime Compliance framework, policies and standards, and lead enterprise-wide AML/CFT risk assessments. You will oversee higher-risk client and transaction reviews, provide guidance on sanctions, PEP and adverse media escalations, and govern transaction monitoring and due diligence frameworks. You will review complex investigations, oversee SAR/STR decision-making, and drive typology development and detection optimisation. You will provide financial crime oversight across sponsor and scheme programmes, act as the key point of contact for regulators and auditors, and lead audit preparation and regulatory examinations. You will lead the global FCC team, build organisational capability through training, and assess hiring and resourcing needs. You will also drive Reap's AI and automation strategy within financial crime compliance, establishing governance for AI-enabled compliance solutions and partnering with Product, Engineering and Data teams to improve compliance data quality and workflow automation.
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
- Experience designing and governing monitoring programmes, typologies and detection frameworks
- Strong understanding of SAR/STR requirements, EDD and ongoing due diligence
- Strong leadership and people management experience
- Experience engaging regulators, auditors, boards and senior stakeholders
- Ability to balance commercial growth objectives with effective risk management
- 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 working with BI and workflow automation tools
- Experience overseeing AI or machine learning applications within compliance, risk or financial crime functions
- Familiarity with AI-assisted investigations, monitoring, screening or regulatory reporting solutions
- Understanding of AI governance, model oversight, explainability and human-in-the-loop controls
- Ability to work effectively with Product, Engineering and Data teams to support automation initiatives
Responsibilities
- 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
- Oversee monitoring effectiveness, sanctions controls and investigation standards
- Identify emerging financial crime risks and recommend control enhancements
- Lead financial crime reporting, management information and risk analytics
- Provide oversight of financial crime requirements across sponsor programmes
- Support PIF, TPA and programme approval processes where financial crime requirements apply
- Ensure financial crime controls meet internal, regulatory and scheme expectations
- Act as a key point of contact for regulators, auditors and external stakeholders
- Lead AML/CFT audit preparation and regulatory examinations
- Support licensing and regulatory change initiatives impacting financial crime controls
- Lead the global FCC team and operating model
- Build organisational capability through training, awareness and continuous development
- Assess resource requirements and support hiring and organisational planning
- Establish governance and oversight for AI-enabled compliance solutions
- Support the implementation of AI-assisted transaction monitoring, investigations and sanctions screening capabilities
- Ensure financial crime data, processes and controls support automation and future AI initiatives
- Partner with Product, Engineering and Data teams to improve compliance data quality, reporting and workflow automation
- Maintain governance, explainability and human oversight for AI-assisted decision-making
Benefits
- Flexible remote work environment
- Insurance coverage after probation
- Reap Card stipend
