Scheme Compliance Officer, (Visa Card)
Reap provides global financial infrastructure powered by stablecoins. We help businesses achieve their financial goals by providing a suite of products and services, including corporate credit cards and global payment solutions, to enable them to thrive in a connected and borderless world.
About Reap
Reap helps achieve global financial goals by accessing essential financial infrastructure. With our global suite of products and services, we enable businesses to thrive in a connected and borderless world. Reap provides payment solutions for your financial needs, whether off-the-shelf or embedded finance. Our core products that streamline your financial operations include the Reap Card, a corporate credit card with flexible bill repayment options in either fiat or digital currencies, and Reap Pay, which allows you to pay anyone, anywhere using your preferred currencies. We also offer API and embedded finance solutions like Card Issuing to launch your own card program and a Payment API for automated global fiat payouts at scale.
Skills
About the Role
You will execute processes and controls defined by Scheme Compliance, compiling findings and recommended outcomes for review. This is an individual contributor role for someone who is detail-oriented, comfortable with high-volume review work, and able to work independently in a remote setting while operating within clearly defined authority boundaries. You will execute and recommend, but you will not hold final sign-off on scheme-facing or client-facing compliance determinations.
Requirements
- 3–5 years' experience in a compliance, risk, or operations role within a card issuer/acquirer, payment institution, card network, or fintech — scheme compliance exposure is a strong plus
- Strong attention to detail and comfort with high-volume, checklist-driven review work without losing rigor
- Working familiarity with concepts such as TPA (Third Party Agent), PIF (Program Information Form), or willingness to learn scheme rule frameworks quickly
- Strong written English; able to draft clear, professional findings, recommendations, and internal notes
- Ability to work independently in a remote environment, manage a high volume of recurring tasks, and know when to escalate rather than make a judgment call
- Comfortable operating in a fast-paced, scaling fintech environment where processes are still maturing
- AI-savvy: comfortable using AI tools to accelerate review and drafting work, with the judgment to verify AI-assisted output against source rules rather than taking it at face value
- Prior exposure to Visa Online, VMM, or other scheme portals
- Familiarity with BIN Sponsorship, Cards-as-a-Service (CaaS), or fintech card programs
- Experience conducting marketing or content review against brand or regulatory guidelines
- Proficiency in a second language (e.g. Spanish, Mandarin, Cantonese)
Responsibilities
- 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, 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
- 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
Benefits
- Flexible remote work environment
- Insurance coverage after probation
- Reap Card stipend
- Use of AI tools at work