Compliance Analyst

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 Compliance Operations Lead, and work closely with our Compliance Managers and cross-functional teams across Hong Kong, Malaysia, Mexico, 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 Malaysia and in hybrid mode in Hong Kong, this role can be fully remote from anywhere within the APAC region.

This position is ideal for a detail-oriented, data-driven professional who thrives in autonomy, values strong collaboration, and is excited about working in a purpose-driven startup.

What You'll Do

You will be responsible for end-to-end compliance reviews, covering a broad range of compliance operations, including:

• Onboarding KYC/KYB Reviews – Conduct due diligence on new and existing clients, assessing corporate structures, UBOs, and business activities for risk exposure.
• Payment Reviews & Transaction Monitoring – Monitor and investigate transactions to identify unusual patterns, potential fraud, or financial crime risks.
• Periodic & Ongoing Reviews – Assess client activities periodically to ensure continued compliance with AML/CFT policies.
• Alert Handling & Investigations – Review and resolve alerts triggered from various compliance monitoring systems, escalating issues as needed and document findings clearly and concisely.
• Data & Pattern Analysis – Utilize data-driven insights to identify trends in client behavior, emerging risks, and potential policy gaps.
• Process & SOP Enhancement – Lead and champion small projects related to compliance workflows, updating SOPs, workflows, and guidelines based on high-level AML policies or changes in business risk appetite.
  
  

What We're Looking For

• Experience: More than 5 years in compliance operations, with exposure to cross-border payments, credit card transactions, fintech, blockchain, or startups.
• Technical & Analytical Skills: Solid understanding of AML/CTF principles and the ability to interpret data, identify trends, and flag anomalies.
• Project and Process Mindset: Hands-on experience driving small compliance projects, process improvements, or policy/SOP rollouts..
• Independence & Adaptability: Comfortable working independently with minimal supervision, while effectively aligning with stakeholders across compliance, product, relationship managers and finance operations.
• Work Schedule: As Reap is headquartered in Hong Kong, this role follows the Hong Kong public holiday calendar. Candidates may occasionally be required to work during Malaysian/local public holidays, in which case compensatory leave will be provided.
• Language Proficiency:
• Fluent in business English (written & spoken).
• Ability to read Chinese (traditional and simplified) is a nice to have.
• Proficiency in another foreign language (e.g., Spanish, Portuguese, etc.) is a strong plus.