Finance is shifting fast, and bridge builders between traditional banking and Web3 are having all the fun right now. Reap is looking for a thoughtful, battle-tested Risk Manager to lead card issuing risk strategies. This is a fully remote position open to top talent worldwide, giving you the freedom to make a massive impact from wherever you do your best work. If you love solving messy problems where credit card rails meet stablecoin infrastructure, you will feel right at home here.

Overview of the Role

Reap is a global financial technology company on a mission to modernize how businesses manage and move capital. By blending traditional payment rails with modern stablecoin technology, Reap provides corporate cards, global payment flows, and expense management tools used by ambitious companies across the globe. In this senior individual contributor role, you will join a tight-knit risk team that moves quickly. You will take true ownership of the card issuing risk architecture, designing frameworks that balance bulletproof fraud protection with rapid international growth.

Key Responsibilities

Day to day, you will take charge of critical initiatives that safeguard the platform and support aggressive product expansion.

Design, implement, and fine-tune comprehensive risk management frameworks tailored specifically for corporate card issuing and payment processing.
Monitor transaction flows and customer activities to detect fraud patterns, credit risks, and emerging compliance vulnerabilities.
Partner closely with product, engineering, and compliance teams to embed risk controls directly into customer onboarding workflows and API integrations.
Collaborate with card network partners such as Visa and local banking institutions to ensure full compliance with scheme rules and regulatory standards.
Build and iterate on risk decisioning rules, underwriting logic, and loss mitigation playbooks that scale smoothly as transaction volumes climb.
Analyze risk metrics and deliver clear, actionable data insights to company leadership to guide strategic market entries.

Requirements

We are searching for someone who brings deep domain knowledge along with a roll-up-your-sleeves execution mindset.

Proven background in risk management, credit risk, or fraud operations with direct exposure to card issuing environments.
Solid grasp of card scheme rules, chargeback processes, and interchange dynamics across international jurisdictions.
Genuine curiosity and baseline technical familiarity with digital assets, stablecoins, or Web3 payment rails.
Strong analytical capabilities, with the ability to turn complex datasets into sound policy and automation rules.
Exceptional communication skills, paired with a collaborative approach to solving cross-functional problems in a distributed setup.
Self-directed drive, comfortable operating in an agile, fast-paced startup where playbooks are built from scratch.

What You'll Gain

Joining Reap means stepping directly into the future of global money movement.

Total location independence with a fully remote, worldwide work setup.
A high-visibility role backed by premier venture capital firms like Index Ventures and HashKey Capital.
The rare chance to architect card issuing risk policies at the direct frontier of Web3 and traditional finance.
Competitive compensation, autonomy, and a supportive team of smart, low-ego builders.