AML Ops Analyst (LATAM Focus) LEVEL 2 at Reap

, Puerto Rico, United States -

Full Time

Start Date

Immediate

Expiry Date

06 Feb, 26

Salary

0.0

Posted On

08 Nov, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

AML Compliance, KYC, KYB, Transaction Monitoring, Risk Assessment, Data Analysis, SOP Development, Regulatory Compliance, Project Management, Cross-Border Payments, Fraud Detection, Blockchain Monitoring, Team Coordination, Audit Preparedness, Strategic Execution

Industry

Information Technology & Services

Description

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. About the team At Reap, we're building the future of global finance - borderless, compliant, digital-first, and secure. Our Compliance Operations Team plays a vital role in safeguarding our business and our customers as we expand across the globe. You'll report to the LATAM Compliance Operations Lead, and work closely with our LATAM Regulatory and Compliance Head, Global Compliance Managers and cross-functional teams across LATAM, the Head Quarters, and beyond. As part of the Legal, Risk & Compliance (LRC) function, led by our Head of LRC, you’ll help shape compliance operations in a fast-paced, high-growth fintech environment. While Reap is headquartered in Hong Kong, and we have team members working remotely in LATAM. This is a high-impact role ideal for someone with a strong command of end-to-end compliance operations, global AML regulatory awareness, and a proactive mindset capable of balancing strategy and execution in a fast-moving fintech environment. What You'll Do You will own and drive end-to-end compliance operations across client lifecycle stages and transaction flows. Key responsibilities include: Onboarding KYC/KYB Reviews: Conduct and sign off on due diligence for new and existing clients, including assessing complex corporate structures, international UBOs, and business models with higher-risk elements. Payment Reviews & Transaction Monitoring: Execute real-time and post-transaction investigations with a deep understanding of cross-border payment risks. Identify, assess, and escalate suspicious patterns, fraud indicators, or financial crime exposure. Periodic Reviews & Ongoing Monitoring:Lead ongoing due diligence checks and risk re-rating exercises, ensuring continued alignment with internal AML policies and evolving risk appetite. Alert Handling & Investigation: Triage and investigate alerts from internal systems (e.g., sanctions, transaction anomalies, adverse media). Document cases with clear rationale and elevate high-risk items in line with escalation protocols. Risk-Based Thinking & Data Analysis: Interpret and leverage data trends to identify potential policy gaps, process inefficiencies, or client behavioral red flags. Collaborate with analytics or product teams to refine rules and controls. SOP Development, QA Involvement & Project Ownership: Drive the drafting and enhancement of SOPs, control checklists, and workflows in alignment with global AML/CTF policies. Partner with the QA team to ensure consistency and execution quality. You will also help design and implement the maker-checker (2-eye/4-eye) process, and serve as checker for escalated or sensitive cases. Regulatory Readiness: Support internal reviews, audits, and regulatory inquiries by maintaining high-quality documentation and being audit-ready at all times. Qualifications and Experience 5+ years of experience in AML compliance within fintech, payments, cards, crypto or financial services.. What We're Looking For We’re seeking a high-performing compliance professional who can operate independently while contributing to the strategic buildout of our global compliance operations. Experience Minimum 4–5 years of experience in compliance operations or financial crime compliance, ideally with exposure to fintech, payments, EMIs/MSBs, cards, or regulated financial institutions End-to-end exposure across KYC/KYB, transaction monitoring, STR/SAR processes, sanctions screening, and ongoing due diligence Chain alysis or other blockchain monitoring tool experience is a plus AML Knowledge Strong familiarity with global AML/CTF standards (e.g., FATF, CNBV, UIF, BCB, and other relevant Regulations in Mexico and/or Brazil) and ability to translate them into operational processes within a risk-based compliance framework Strategic Execution & Maker-Checker Design Proven ability to balance execution with strategy, and experience building workflows and control structures Experience implementing or managing 2-eye/4-eye review frameworks, including performing the checker role on risk-sensitive cases. Experience in detecting and identifying patterns of unusual activity that lead to new types of unusual behavior. Project Ownership Strong ownership mindset, with the ability to lead and deliver small-to-medium compliance projects Comfortable coordinating across teams such as Product, Growth, QA, Legal, and Finance Ops Language Proficiency Fluent in business English (spoken and written) Ability to read and speak Portuguese, is a strong advantage (for candidates outside Brazil)

Responsibilities

You will own and drive end-to-end compliance operations across client lifecycle stages and transaction flows. Key responsibilities include onboarding KYC/KYB reviews, payment reviews, transaction monitoring, and alert handling.