VA AML & Regulatory Sr. Analyst (Mexico Focus)

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.

Job Summary:

The Regulatory Sr. Analyst will drive REAP's overall regulatory compliance strategy in Mexico, ensuring adherence to specific AML Regulation in Mexico for payments, cards, and Crypto Assets under the AML Law (LFPIORPI). This role focuses on licensing, AML Compliance, internal audits, and policy development to support REAP's expansion while minimizing regulatory risks in a competitive market.

Key Responsibilities:

Ensure that the company’s compliance program adheres to the obligations required by the Anti-Money Laundering Law (LFPIORPI), such as: KYC, Manuals and Policies, Training, Regulatory Reports, Risk Assessment, Monitoring System, Audit, etc.
Prepare the regulatory and AML (Notices) reports required by the Anti-Money Laundering Law.
Serve as an expert advisor point of contact for any employee regarding Regulatory and AML matters.
Create the policies and procedures required to comply with our Compliance program.
Make updates and continuous improvements to our Compliance Manual.
Serve as a point of contact with external advisors and cross-functional teams in both LATAM and global.
Maintain a Sanctions & Screening program updated.
Attend communications from the SAT/UIF on AML and Regulatory related matters.
Lead internal and external audit, including Regulator´s visits
Develop the Risk-Based Approach (RBA) Methodology.
Support the design of the training and capacity-building plan.
Implement training programs for the staff, aligning with 2025 LFPIORPI reforms and Reap´s global training program.
Monitor changes in regulations (e.g., Reporting, KYC enhancements, etc) and advise on adaptations for REAP's global operations.
Collaborate with legal, finance, and growth teams in Mexico to foster a culture of compliance and support business objectives.

Qualifications and Requirements:

5+ years in compliance roles within fintech, banking, or payments, with experience in Mexico/LATAM regulatory environments.
Certifications like UIF or CNBV, ACAMS, or other Compliance AML related Certifications are highly desirable.
Previous experience in crypto companies, payment institutions and cards companies, are highly desirable
Deep understanding of LFPIORPI and Cards regulation.
Experience with AML reporting (Avisos) is essential.
Fluent in business English (spoken and written), Portuguese is a plus
Demonstrated ability in policy development.

Skills and Competencies:

Expertise in regulatory analysis and risk mitigation.
Strong project management for compliance implementations.
Familiarity with compliance tools (e.g., for auditing, reporting, AML).
Collaborative approach in a multicultural, startup setting.
Strategic thinking to balance compliance with innovation.