Scheme Compliance Officer, (Visa & Spanish-Speaking)

The role monitors card scheme rules and compliance requirements, manages scheme inquiries and remediation, oversees TPA and PIF submissions, reviews marketing materials, advises product and operations teams, and supports AML/CTF, KYC/KYB, risk, and client review processes.

Responsibilities

• Monitor card scheme rule changes, bulletins, and compliance requirements.
• Handle scheme inquiries and remediation cases, including drafting responses and action plans.
• Monitor TPA and PIF submissions and resolve pending requirements with card schemes.
• Maintain TPA and PIF registries and track scheme requirements.
• Identify documentation gaps, classify findings, and track remediation to closure.
• Review TPA marketing materials against scheme standards and conduct post-publication compliance sweeps.
• Assist with periodic and annual client reviews.
• Advise Product, Operations, and Commercial teams on scheme compliance.
• Track Mexico BIN program compliance against risk thresholds, fraud metrics, and dispute requirements.
• Ensure scheme requirements are reflected in AML/CTF, KYC/KYB, and transaction monitoring processes.
• Collaborate with the global Scheme Compliance team to improve processes across jurisdictions.

Requirements

• At least 4 years of experience in scheme compliance, card scheme oversight, payment card regulation, or a related role.
• Working knowledge of Scheme Rules and ability to translate them into sustainable SOPs and policies.
• Familiarity with TPA registration, PIF submissions, or scheme program approvals.
• Experience conducting third-party due diligence reviews in regulated payments.
• Strong written Spanish and English communication skills.
• Ability to work independently in a remote environment and manage competing priorities.
• Comfort working in a fast-paced, scaling fintech environment.
• Familiarity with Mexico’s financial services regulatory environment is a plus.
• Experience with BIN sponsorship, Cards-as-a-Service, or fintech card programs is a plus.

Benefits

• Insurance coverage after probation
• Reap Card stipend
• Flexible remote work environment with a global, collaborative team
• Use of AI tools at work and opportunities to learn and experiment
• Culture of innovation, inclusion, and continuous learning