Aspora

Compliance

• Design, implement, and maintain Aspora's BSA/AML compliance programme for the US entity, in full compliance with FinCEN requirements and the Bank Secrecy Act
• Own the SAR and CTR filing process end-to-end — ensuring accuracy, timeliness, and defensibility
• Maintain and continuously strengthen the Customer Identification Programme (CIP), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) frameworks
• Oversee OFAC screening, sanctions compliance, and adverse media monitoring for US customers and counterparties
• Lead the annual independent audit and periodic risk assessments of the BSA/AML programme
• Manage Aspora's Money Transmitter License portfolio across all active US states — including renewals, amendments, and new state applications as the business expands
• Serve as primary point of contact with state regulators (NMLS, DFS, DFPI, and equivalents) for examinations, information requests, and supervisory correspondence
• Monitor evolving state and federal MSB regulations and proactively assess and communicate their impact on Aspora's operations
• Coordinate with external US counsel (currently Orrick and Sequoia's legal network) on complex regulatory questions, licensing strategy, and examination support
• Oversee agent/partner due diligence and compliance requirements where Aspora engages third-party distribution or banking partners in the US
• Maintain Aspora's compliance with applicable federal consumer protection laws — including the Remittance Transfer Rule (Regulation E), UDAAP standards, and CFPB supervisory expectations for non-bank payment companies
• Review and approve customer-facing disclosures, terms of service, and marketing materials for US regulatory compliance
• Manage the US consumer complaints process, ensuring resolution timelines and escalation protocols meet regulatory and best-practice standards
• Monitor CFPB guidance, enforcement actions, and rulemaking relevant to digital remittance providers and provide regular internal briefings
• Build and maintain Aspora's US compliance policies, procedures, and controls framework — keeping them current with regulatory changes and business evolution
• Design and deliver ongoing compliance training for US-facing staff and relevant global team members
• Operate as the compliance business partner to the US product, operations, and customer experience teams — advising on new product launches, feature changes, and operational decisions
• Build and maintain a US compliance risk register; track and escalate open items to the Group CCO
• Evaluate and manage compliance technology and vendor relationships (e.g. transaction monitoring, sanctions screening, ID verification).

Chief Compliance Officer

Growth Marketing

• Lead growth initiatives in the US market, identifying the most effective channels to reach and acquire diaspora users.
• Develop relationships with diaspora communities, student groups, associations, local businesses, and ecosystem partners that can drive product adoption.
• Design and execute US-specific growth initiatives tailored to regional behaviour, trust patterns, and financial needs.
• Build and scale acquisition channels across partnerships, referrals, community programs, and targeted digital marketing.
• Gather direct feedback from users and partners to inform product improvements and market strategy.
• Work closely with the global growth, product, and operations teams to align local initiatives with company-wide priorities.

Chief Compliance Officer

Growth Marketing Manager