Aspora

Chief Compliance Officer

Aspora

full-time

Posted on:

Location Type: Remote

Location: United States

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Job Level

Lead

About the role

  • 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).

Requirements

  • 5 - 8 years of compliance experience in financial services, with a substantial focus on US MSB, money transmission, or fintech compliance — law firm training is a strong signal of the rigour we're looking for.
  • Deep, first-hand working knowledge of FinCEN BSA/AML requirements, the Bank Secrecy Act, OFAC sanctions frameworks, and state Money Transmitter Licensing regimes.
  • Direct experience managing MTL portfolios — including state regulatory exams, renewals, and NMLS administration.
  • Familiarity with Remittance Transfer Rule (Reg E) obligations and CFPB consumer protection standards for non-bank payment companies.
  • Demonstrated ability to build or significantly enhance compliance programmes in growth-stage or scaling environments — not just maintain inherited frameworks.
  • Confidence engaging directly with state and federal regulators independently and credibly
  • Strong written and analytical skills; able to translate regulatory complexity into actionable internal guidance and board-quality reporting.
  • Bachelor's degree required; JD, CAMS, or equivalent professional qualification strongly preferred.
Benefits
  • Competitive compensation benchmarked to US fintech compliance market rates, with equity participation
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
BSA/AML complianceCustomer Identification Programme (CIP)Customer Due Diligence (CDD)Enhanced Due Diligence (EDD)OFAC screeningsanctions complianceMoney Transmitter License (MTL) managementRemittance Transfer Rule (Regulation E)compliance programme developmentregulatory reporting
Soft Skills
analytical skillswritten communicationregulatory engagementproblem-solvingtraining deliverystakeholder managementindependent decision-makingadaptabilitycollaborationleadership
Certifications
Bachelor's degreeJDCAMS