Engineering Manager, Card Solutions (NA/EMEA Expansion)

Reap•Montreal, QC

13d•Hybrid

About The Position

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. 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.

Requirements

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 Haves

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

Responsibilities

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
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
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
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