Job Description
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.
About the team
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.
We also offer a flexible
Card Issuing API and white-labelled infrastructure , enabling partners to embed card programs directly into their products. Whether through our dashboard or programmable APIs, Reap helps businesses scale with secure, compliant, and developer-friendly financial tools.
About the role
As a Senior Software Engineer in the
Card Engineering team , you’ll help build the foundation of Reap’s card platform—designing, developing, and operating services that power card transactions, fraud detection, card lifecycle management, and developer-facing APIs.
You’ll be a key contributor in a high‑ownership, cross‑functional environment, working closely with product managers, designers, compliance, and other engineers. From authoring transaction workflows to implementing scalable event‑driven services, your work will shape the core infrastructure used by clients, partners, and developers globally.
This role is ideal for engineers who enjoy solving real‑world financial problems at scale, care deeply about system correctness and resiliency, and thrive in fast‑moving, collaborative teams.
What you’ll do
Design and build backend services for card transaction processing, fraud detection, and/or card program management
Contribute to system architecture and technical decision‑making with a focus on performance, fault tolerance, and maintainability
Collaborate with cross‑functional stakeholders (Product, Risk, Finance, Compliance) to deliver robust, compliant financial systems
Write clean, observable, and well‑tested code in a service‑oriented architecture
Participate in code reviews, incident response, and ongoing reliability improvements
Help evolve our engineering practices, tools, and system designs as we scale
Areas You Might Work On
Depending on your fit and team needs, you could work in one of the following sub‑teams:
Transaction & Risk
Real‑time transaction processing and authorization
Fraud detection systems, 3DS flows, and risk scoring
Chargebacks, transaction rules, and monitoring
Client Program Operations
Pre‑funding, balance tracking, and reconciliation tools
Billing systems and fee pipelines
Treasury and banking system integrations
Card Management & Logistics
Card issuance, shipping workflows, and configuration
Tokenization and wallet provisioning
Self‑serve client tools for card management
Developer Platform
API gateway and authentication infrastructure
Webhooks, observability, versioning, and sandbox environments
Internal dev tools for debugging and testing
What we’re looking for
Minimum requirements
6+ years
of software engineering experience, ideally in fintech, infrastructure, or platform teams
Experience building backend systems in a typed language (e.g., TypeScript, Java, Go, etc.)
Solid grasp of distributed systems concepts: async processing, retries, observability, eventual consistency
Strong judgment in balancing correctness, performance, and maintainability
Ability to collaborate in cross‑functional teams and communicate technical tradeoffs effectively
Comfortable working in a fast‑paced, evolving product environment
Preferred Qualifications
Experience in card networks, 3DS, PCI, tokenization, or chargeback systems
Built systems involving compliance or regulatory constraints
Familiarity with Reap’s stack: TypeScript, Node.js, NestJS, AWS
Worked in high‑growth startups or platforms with external APIs
Why Join Reap?
Be part of a global fintech team at the frontier of stablecoin innovation
Work with a high‑caliber team across engineering, product, and operations
Lead impactful projects in a role with ownership and visibility
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