US BSA Officer

At Aspire, we’re more than just a FinTech company—we’re the leading all-in-one financial operating system built to empower the world’s innovators and entrepreneurs. We are on a mission to reinvent business finance, empowering startups and businesses to realise their full potential.

Founded in 2018, Aspire has raised over USD 300M+ across equity and debt from world-class investors. In 2023, we successfully closed an oversubscribed USD 100 million Series C equity round led by Sequoia Capital and Lightspeed Ventures with participation of Tencent, Paypal Ventures, LGT Capital Partners, Picus Capital and MassMutual Ventures. To power our solutions, we have partnered with some of the best companies in the world such as Visa and Wise and empowered more than 50,000 businesses using our suite of products.

Aspire has consistently been recognized for excellence, earning Best Employer and Startup of the Year by the Asia FinTech Awards in 2022 and 2023, ranked as LinkedIn’s Top Startup in Singapore, and listed on CB Insights’ Top 100 Global Fintech in 2023 and 2024.

You will be amazed by the energy and experience of our team! Aspire serves as an environment for you to innovate and drive change with our team of ex-entrepreneurs, ex-founders, and high-achievers with international and diverse backgrounds.

Are you a top talent who is passionate about entrepreneurship? Join our rapidly growing team to make an impact in the fintech space! 

Aspire is the leading all-in-one finance operating system for growing businesses in APAC. We are on a mission to reinvent business finance for a new generation of entrepreneurs and business owners, empowering startups and MSME to realise their full potential.

Founded in 2018, Aspire has raised over USD 300M+ across equity and debt from world-class investors. In 2023, we successfully closed an oversubscribed USD 100 million Series C equity round led by Sequoia Capital and Lightspeed Ventures with participation of Tencent, Paypal Ventures, LGT Capital Partners, Picus Capital and MassMutual Ventures. To power our solutions, we have partnered with some of the best companies in the world such as Visa and Wise and helped more than 15,000 businesses using our suite of products.

For 2 consecutive years in 2022 & 2023, Aspire has been awarded Best Employer of the Year and Startup of the year by Asia FinTech Awards, and also LinkedIn’s Top Startup in Singapore. In 2023, we also made it to CB Insights’ Top 100 Global Fintech List. 

You will be amazed by the energy and experience of our team! Aspire serves as an environment for you to innovate and drive change with our team of ex-entrepreneurs, ex-founders, and high-achievers with international and diverse backgrounds. Are you a top talent who is passionate about entrepreneurship? Join our rapidly growing team to make an impact in the fintech space! 

About the role: BSA Officer,  US 

We are seeking a highly motivated and experienced BSA Officer to lead and enhance our Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) compliance program in the United States. As the BSA Officer, you will serve as the key point of contact for all FCC (financial crime compliance) matters, especially in relation to our bank partners, including under sponsorship models. You will be responsible for the design, execution, and governance of our US AML and sanctions framework and ensuring our program aligns with regulatory requirements and industry best practices.

Key Responsibilities

1. Serve as the designated BSA Officer for the organization, in accordance with US regulatory expectations and partner bank requirements.
2. Own and maintain the US BSA/AML and OFAC compliance program, including policies, risk assessments, procedures, and training. Offering 2LOD support to the business and 1LoD FinCrime Operation teams with the launch of products, procedures, processes, and systems
3. Oversee suspicious activity monitoring, investigations, and SAR filings in coordination with internal teams and external partners.
4. Manage relationships with banking partners and sponsor banks, responding to due diligence requests.
5. Ensure compliance with FinCEN, OFAC, and state-level AML obligations, including preparing for audits, exams, and regulatory inquiries.
6. Support the development and tuning of AML/Fraud rules and transaction monitoring tools (e.g., Alloy, Sardine, or other platforms).
7. Collaborate cross-functionally with Risk, Product, Operations, and Legal to embed compliance into new launches and existing workflows.
8. Provide periodic AML/FCC reporting to senior management and assist in the oversight of third-party service providers.
9. Maintain up-to-date knowledge of relevant regulatory developments, enforcement actions, and industry trends.

Nice to have

• Excellent knowledge of key regulatory issues pertaining to anti-fraud and control assessment processes
• Knowledgeable regarding the investment Advisers Act of 1940; Experienced as a CO for RIA

Qualifications

1. Minimum of 3-5 years of relevant experience in BSA/AML compliance, preferably in fintech, money services businesses (MSBs).
2. Deep understanding of US AML regulations, FinCEN guidelines, and OFAC requirements.
3. Experience interacting with banking partners and/or working under a bank sponsorship model is strongly preferred.
4. Prior experience with filing SARs, conducting AML investigations, and managing transaction monitoring systems.
5. Strong analytical skills with the ability to assess risk and translate regulations into operational controls.
6. CAMS certification or equivalent preferred.

Bachelor’s degree required; advanced degrees or legal background a plus.

The annual US base salary range for this role is $124,000 - $170,000. This salary range may cover a number of levels at Aspire and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, performance in the interview process and final location.

What we offer

• Uncapped flexible annual leave.
• Hybrid work arrangement. 
• Training subsidy for your professional growth.
• Wellness benefit.
• Team bonding budget to foster collaboration and sense of belonging.
• Flexibility to work from anywhere (for up to 90 days per annum).
• Culture is Key: We always strive to cultivate a special culture that brings special talents together - You can learn more about our culture on our careers site and LinkedIn Life page.
  

Equal Opportunity Statement 

Aspire is an equal opportunity employer and is committed to providing equal employment opportunities to all qualified individuals without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected characteristic as outlined by applicable laws. 

Please note: by submitting your application, you acknowledge that you have read and understood Aspire’s Data Protection Policy for Employees, Freelancers, Contractors and Job Applicants (the “Policy”), and consent to the collection, use and disclosure of your personal data by Aspire for the purposes set out in the Policy. You may withdraw consent for such collection, use and disclosure, and make an access or correction request in respect of your personal data, in accordance with the Policy by emailing people@aspireapp.com.