Engineering Manager, Card Solutions (NA/EMEA Expansion)

Engineering Manager, Card Solutions (NA/EMEA Expansion) 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 Acorn Pacific, Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance. Why Reap? Our platform empowers businesses with borderless card issuing, seamless payments, and rich expense management tooling. At the core of our offering is the Reap Card —a modern, stablecoin-enabled Visa commercial card solution that unlocks flexible spend controls, global acceptance, and real-time reconciliation for businesses of all sizes. For developers and partners, Reap also offers a powerful Card Issuing API and white-labelled card program infrastructure —enabling businesses to launch their own branded corporate card experiences with full control over issuance, authorization, funding, and user management. Whether through our dashboard or API, Reap helps companies embed financial services into their workflows with scale, compliance, and flexibility. The Card team is now scaling Reap's card infrastructure into new markets across NA, EMEA, and LATAM — bringing card issuing capability to new regulatory environments, BIN sponsors, and client segments. What You’ll Do As an Engineering Manager for Card Market Expansion , you will lead the engineering effort to launch and sustain Reap's card programs across new markets in NA, EMEA, and LATAM . You'll own the end-to-end engineering delivery for market entry: from local regulatory integration and processor configuration, to coordinating cross-team dependencies (Treasury, Onboarding, Compliance, Infrastructure, and Data Warehouse), to ensuring stable, supported operations after go-live. This is a high-ownership, hands-on leadership role that sits at the intersection of product delivery, compliance requirements, and cross-functional engineering. You'll guide engineering strategy, participate in technical design, and be instrumental in shaping how Reap scales its card issuing infrastructure across multiple regulatory environments. 1. Market Localisation & Regulatory Integration Own the engineering workstream for card program compliance across NA, EMEA, and LATAM markets — including local Visa/Mastercard network rules, BIN sponsor obligations, open banking requirements, and regional regulatory frameworks Integrate with local vendors, issuer processors, and BIN sponsor systems to meet market-specific technical requirements Partner with Product, Compliance and Legal to translate regulatory requirements into clearly scoped engineering deliverables 2. Cross-Team Launch Coordination Drive sequenced delivery across all dependent teams: Card Platform, Treasury/Ledger, Onboarding/KYC-KYB, Regulatory Reporting, Chargeback/Disputes, Infrastructure, Data Warehouse, and Security Governance Own the cross-team engineering plan for each market launch — surfacing blockers early, managing timelines, and keeping stakeholders aligned Partner with Product and Country Leads to translate market requirements into scoped, deliverable milestones 3. BAU Ownership & Post-Launch Stability Establish on-call runbooks, incident response playbooks, and SLAs for each live market Own engineering stability post-launch: monitoring, alerting, and incident management across active regions Drive continuous improvement based on production signals — auth failures, chargebacks, reconciliation issues, and SLA breaches 4. Core Card System Enhancements Contribute to the ongoing development of the core card platform in parallel with market expansion work — identifying gaps, proposing improvements, and collaborating with other Card EMs on shared infrastructure Ensure market-specific requirements are implemented in a way that strengthens the core system — favouring extensible, reusable solutions over one-off localisations Balance market delivery velocity with long-term platform health and engineering quality What We’re Looking For 8+ years of software engineering experience with 2+ years in a technical leadership or management role Proven experience in building and operating systems in one or more of the following: payments, risk/fraud systems, card infrastructure, financial reconciliation, or API platforms Demonstrated ability to lead cross-functional engineering initiatives and drive architectural decisions Strong systems thinking; ability to design fault-tolerant, observable, and scalable services Hold a high bar for code quality, reliability, and peer review, and value working closely with others who do the same Communicate clearly, challenge ideas respectfully, and help raise the quality of the whole team Our main stack is TypeScript, Node.js, NestJS, and AWS, but we value strong engineering fundamentals over any specific toolset Nice to Have Experience working on high-availability financial systems with real-time transaction processing Experience with card networks (Visa, Mastercard) and card lifecycle management Exposure to 3DS, tokenization, digital wallets, and PCI compliance Experience leading teams in high-growth, fast-paced environments Familiarity with observability tools (e.g., NewRelic, Datadog, OpenTelemetry) and CI/CD automation Experience launching card programs in new geographies — including regulatory onboarding, issuer processor integration, and BIN sponsor coordination Familiarity with financial regulations across multiple jurisdictions (e.g., PSD2, GDPR, open banking frameworks, US money transmission, FinCEN requirements, regional Visa/Mastercard rules) Track record of driving cross-functional delivery across teams with shared dependencies (ledger, KYC, compliance, infrastructure) AI/LLM-assisted development familiarity Your Adventure Benefits A high-impact role in a rapidly growing fintech startup Flexible remote work environment with a global, collaborative team Insurance coverage after probation Reap Card stipend Use of AI tools at work — and the space to learn, experiment, and grow with them A culture of innovation, inclusion, and continuous learning After submitting your application, please check your inbox for a confirmation email. If you don't see it, kindly check your spam or junk folder and adjust your settings to ensure future communication reaches your inbox. You can follow the steps here . Department Engineering Locations Toronto, Ottawa, United Kingdom, Ireland Remote status Fully Remote About Reap Reap is a leading global payment technology provider that enables financial connectivity and access for businesses worldwide. By merging traditional finance with digital assets, bridging disparate economies, and connecting key financial players, we are transforming the financial landscape into a more interconnected and interoperable space for efficient money movement. With stablecoin-enabled corporate cards, payout solutions, and expense management tools, we streamline financial operations and empower businesses to scale. Our APIs enable businesses to embed finance into their own products and services, from issuing Visa cards to facilitating cross-border payments. Reap is supported by a strong network of investors, including Acorn Pacific Ventures, Arcadia Funds, HashKey Capital, Hustle Fund, Fresco Capital, Abacus Ventures, and Payment Asia.