Scheme Compliance Officer, (Visa & Spanish-Speaking)

You will monitor card scheme rule changes, bulletins and compliance requirements; assess impact on Reap's programs and recommend actions. You will handle scheme inquiries and remediation cases, including drafting responses and developing action plans to resolve cases within required timelines. You will monitor TPA and PIF submission statuses and engage with the schemes on pending requirements and open items; proactively identify process improvements to drive more efficient submission and approval workflows. You will maintain the live TPA and PIF registries, including tracking modifications and ongoing requirements set by the Schemes. You will collaborate with cross functional stakeholders to identify gaps in client programme documents against scheme requirements and PIF parameters; log findings with severity classifications, assist in remediation, and track resolution to closure. You will conduct pre publication review of TPA marketing materials against scheme brand standards and programme rules, issuing written approve/reject outcomes with rule references; run periodic post publication sweeps to identify unapproved or non compliant materials. You will assist in periodic and annual client reviews as required under scheme obligations. You will advise Product, Operations, and Commercial teams on scheme compliance requirements for new products, client onboarding, and programme changes. You will work closely with the Risk team to track compliance performance for Mexico BIN programs against scheme risk thresholds, fraud metrics, and dispute monitoring requirements; provide scheme-rule-based advice to drive remediation where needed. You will work with FCC and FCO to ensure scheme compliance requirements are reflected in AML/CTF programme design, KYC/KYB workflows, and transaction monitoring configuration. You will assist in periodic / annual client reviews as part of Scheme requirement. You will work hand in hand with the global Scheme Compliance team to improve processes, share learnings, and collaborate on ways of working across jurisdictions.

Responsibilities

Monitor card scheme rule changes and compliance requirements and assess their impact on Reap's programs
Handle scheme inquiries and remediation cases, drafting responses and developing action plans to resolve cases within required timelines
Monitor TPA and PIF submission statuses and engage with schemes to resolve pending requirements, while identifying process improvements
Maintain live TPA and PIF registries and track modifications and ongoing scheme requirements
Collaborate with cross functional stakeholders to identify gaps in client programme documents against scheme requirements and PIF parameters, log findings, and track remediation to closure
Conduct pre publication review of TPA marketing materials against scheme standards, issue approves or rejects with rule references, and run post publication sweeps for non compliant materials
Assist in periodic and annual client reviews as required under scheme obligations
Advise Product Operations and Commercial teams on scheme compliance requirements for new products client onboarding and programme changes
Work closely with the Risk team to track compliance performance for Mexico BIN programs against risk thresholds, fraud metrics, and dispute monitoring requirements
Work with FCC and FCO to ensure scheme compliance requirements are reflected in AML/CTF programme design, KYC/KYB workflows, and transaction monitoring configuration
Assist in periodic / annual client reviews as part of Scheme requirement
Collaborate with the global Scheme Compliance team to improve processes and share learnings across jurisdictions

Requirements

Minimum 4 years’ experience in a scheme compliance, card scheme oversight, payment card regulatory, or closely related role within a card issuer/acquirer, payment institution, or card network
Working knowledge of Scheme Rules; ability to interpret and apply rules independently without relying solely on Scheme guidance; and translate them into clear, practical SOPs and policies that are sustainable and scalable for a growing business
Familiarity with TPA registration processes, PIF submissions, or Scheme program approvals — whether in an ownership or supporting capacity
Experience conducting third-party due diligence reviews in a regulated payments context
Strong written communication skills in both Spanish and English; able to draft compliance narratives, Scheme-facing correspondence, and internal advisory notes to a professional standard
Ability to work independently with minimal supervision in a remote environment, managing competing priorities and deadlines without close day-to-day direction
Comfortable operating in a fast-paced, scaling fintech environment where processes are still maturing and ambiguity is the norm

Benefits

Insurance coverage after probation
Reap Card stipend
Flexible remote work environment with a global, collaborative team
Use of AI tools at work and space to learn, experiment, and grow with them
A culture of innovation, inclusion, and continuous learning