Scheme Compliance Officer, Visa Card

This is a fully remote position, open to applicants in Malaysia.

📋 Description

• Perform pre-publication evaluations of TPA and client marketing materials to ensure adherence to scheme brand standards and program regulations.

• Conduct regular post-publication reviews across both digital and physical marketing platforms to detect unapproved, outdated, or non-compliant materials and document findings for remediation tracking.

• Manage the live TPA and PIF registries, including tracking submission statuses, modifications, renewal dates, and ongoing requirements established by the schemes.

• Oversee TPA and PIF submission statuses in the registry, following up on outstanding items with internal stakeholders and, when directed, with the schemes.

• Address incoming scheme inquiries and flagged cases (e.g., marketing flags, registry discrepancies), formulating responses and action plans.

• Assist in periodic and annual client reviews: gather client data packs, perform initial checks against the client review checklist, and draft review summaries with suggested actions.

• Maintain Reap's scheme compliance tracker and uphold document management practices across marketing, TPA, and PIF records — ensuring version control, retention, and audit-readiness.

• Keep track of Visa Business News (and other scheme bulletins) for new updates, documenting items and highlighting those with potential operational impacts for compliance officer evaluation.

• Collaborate closely with the global Scheme Compliance team to enhance processes, share insights, and work together on operational methods across jurisdictions.

⛳️ Requirements

• 3–5 years of experience in a compliance, risk, or operations role within a card issuer/acquirer, payment institution, card network, or fintech — exposure to scheme compliance is highly beneficial.

• Exceptional attention to detail and ability to handle high-volume, checklist-driven review tasks without compromising rigor.

• Familiarity with concepts such as TPA (Third Party Agent), PIF (Program Information Form), or a readiness to quickly learn scheme rule frameworks.

• Strong written English skills; capable of drafting clear and professional findings, recommendations, and internal notes.

• Ability to work autonomously in a remote setting, manage a significant volume of recurring tasks, and recognize when to escalate issues rather than making independent judgments.

• Comfortable functioning in a fast-paced, scaling fintech environment where processes are still evolving.

• AI-proficient: adept at using AI tools to enhance review and drafting work (e.g., initial marketing material screenings, summarizing scheme bulletins, drafting audit findings) — with the discretion to verify AI-generated outputs against source rules rather than accepting them without question.

• Nice to Have: Previous experience with Visa Online, VMM, or other scheme portals.

• Knowledge of BIN Sponsorship, Cards-as-a-Service (CaaS), or fintech card programs.

• Experience in conducting marketing or content reviews against brand or regulatory standards.

• Proficiency in a second language (e.g., Spanish, Mandarin, Cantonese) is advantageous but not essential for the core responsibilities of this role.

🏝️ Benefits

• Flexible remote work environment with a global, collaborative team.

• Insurance coverage available after the probation period.

• Reap Card stipend.

• Access to AI tools at work — with opportunities to learn, experiment, and grow in their use.

• A culture that promotes innovation, inclusion, and continuous learning.