About Reap
Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.
Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments.
Backed by leading investors including Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.
What you’ll do
This role sits within the Legal, Risk & Compliance (LRC) – Compliance team, reporting to the Head of Legal and Compliance. You will translate Visa Core Rules and Visa Product and Service Rules, along with Visa brand usage guidelines, into practical controls for Reap’s Visa card issuance program. You’ll attend client-facing compliance calls and onsite inspections, and you’ll run a rigorous marketing-monitoring program across web, app, and social channels. The work blends policy, partner-facing execution, and hands-on QA to help Reap scale safely.
You will:
- Operationalize Visa obligations: Maintain an obligations register for Visa Core Rules and Visa Product and Service Rules; translate changes into internal policies, SOPs, and checklists; drive timely implementation with Product, Risk, Ops, and Marketing.
- Run extensive marketing monitoring (Visa focus): Inventory and review client/partner marketing for Visa brand usage, required disclosures, restricted claims, and co-brand standards; track issues through remediation to closure with a clear evidence trail.
- Card design & brand governance (Visa): Review card artwork and digital assets (acceptance marks, co-brand treatments, BIN/PAN display rules) for Visa compliance and manage approvals with the Card Design Operations team.
- Client-facing compliance & onsite support: Prepare evidence packs, lead or support compliance calls, coordinate onsite inspections with clients/auditors/Visa representatives, and manage corrective action plans.
- Visa program oversight: Support diligence, onboarding, and ongoing monitoring of Visa card issuance clients, covering MCC mapping, restricted categories and jurisdictions, required disclosures, and periodic reviews.
- Risk & KPI tracking (Visa thresholds): Monitor fraud and dispute performance against Visa threshold programs (e.g., VDMP/EFMP) with the Risk team; escalate and drive mitigation plans as needed.
- Training & enablement: Deliver concise Visa-specific guidance to GTM and Product teams; maintain a library of approved use cases, claims, and disclosures.
- Reporting: Publish monthly dashboards covering open items, SLAs, repeat findings, and client/program heat maps.
Who you are
- 5+ years in card issuing, payments compliance, or card program management with deep, hands-on familiarity with Visa rules and brand standards.
- Proven experience reviewing financial-services marketing and brand usage for compliance.
- Confidence in client-facing settings—you can steer Visa compliance conversations and support audits/onsite reviews.
- Excellent writing and documentation skills; you keep immaculate evidence and close the loop on actions.
- Strong project management; you juggle multiple programs and drive outcomes across teams.
- Comfortable with data in Sheets/Excel (basic SQL a plus).
Bonus Points
- Web3 literacy (stablecoins, on/off‑ramps, custody/VASPs, risk themes).
- Fluency with modern AI tools to triage reviews, summarize evidence, and draft guidance (with human QA).
- Able to read Chinese (Traditional/Simplified) for marketing reviews and client materials; Cantonese or Mandarin a plus.
- Familiarity with KYC/AML tooling (e.g., Sumsub, Jumio, Worldcheck, ComplyAdvantage) and crypto analytics (e.g., Chainalysis).
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