Senior Product Manager, Compliance & Risk Platform

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.

We are looking for a Senior Product Manager to lead Reap's Compliance & Risk Platform. This role owns the strategy, roadmap and delivery of the internal systems that power client trust signals, transaction and funds-flow monitoring, case management, vendor oversight and regulatory reporting.

You will collaborate closely with compliance, risk, data and engineering to build scalable tools that reduce regulator and partner friction, help Reap detect and prevent financial crime while giving customers a faster, safer and smoother experience. You will be customer obsessed, designing solutions that minimize pain for legitimate users while ensuring the platform always meets regulatory-grade standards.

• Vision with Delivery: Define and drive the platform roadmap, balancing urgent regulatory milestones (e.g., EU and LATAM readiness, license approvals) with building scalable long-term foundations. Apply sharp buy versus build judgment to deliver immediate outcomes without compromising the future state.
• Eyes of the Platform: Build the integrations and visibility needed to see across funds flow, transactions, watchlists and counterparties, then design the real-time risk scoring engine that turns those signals into scores and actions. Success will be measured by trusted visibility across 100% of critical rails, with scoring outputs adopted by compliance and operations as their primary decisioning input.
• Typologies: Partner with compliance and risk teams to understand market-specific typologies and regulatory expectations, then incorporate these into the risk engine by building the tools, rules and frameworks that make them manageable, adaptable and explainable. You'll be accountable for expanding typology coverage and reduction in partner or regulator escalations linked to missed or unmanaged scenarios.
• Customer Obsession: Treat compliance as a lever for differentiation, not just box-ticking. Build capabilities that reduce false positives, speed up approvals and create a smoother onboarding and monitoring journey, while strengthening controls that prevent financial crime. Customers should feel the difference in faster, safer and more transparent experiences.
• Collaboration: Work closely with compliance, risk, data and engineering teams to meet immediate needs while keeping a clear product approach that ensures today's solutions build toward tomorrow's vision. Success means those teams feel their requirements are met, with no critical gaps and your product is seen as enabling rather than blocking growth.
• Execution Enablement: Build the case management, vendor oversight, audit trail and decision explainability tools that allow Operations teams to act quickly and confidently signals. Success means faster SLA resolution, improved regulator audit outcomes and reduced manual rework.

• 5–10 years of experience within the risk or compliance space in fintech or payments, with exposure to building, implementing, or managing compliance systems.
• Proven track record contributing to or leading the development of scalable compliance and risk platforms, including real-time risk scoring and funds-flow monitoring across multiple rails (card, fiat, crypto). Comfortable making models explainable and regulator-ready.
• Global mindset with experience localizing typologies and controls while maintaining a coherent platform.
• Working familiarity with AML/CTF, sanctions, Travel Rule, GDPR, DORA, scheme and acquirer programs and outsourcing obligations.
• Customer obsessed and regulator ready — able to balance reduced friction for good customers with effective prevention of fraud and financial crime.
• Excellent stakeholder management skills and proven ability to partner with compliance officers, regulators, partners and internal teams across risk, security, data, engineering, operations and finance.
• Pragmatic, resilient and action-oriented, with strong instincts on buy-versus-build, clear communication and the ability to bring structure and clarity to ambiguous situations.
  

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