US BSA Officer

Job Description

Aspire is seeking a BSA Officer to lead and enhance its Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) compliance program in the United States. The BSA Officer will be the key point of contact for all FCC matters, especially in relation to bank partners, including under sponsorship models. He/she will be responsible for the design, execution, and governance of US AML and sanctions framework and ensuring the program aligns with regulatory requirements and industry best practices.

Role involves:

• Serving as the designated BSA Officer for the organization.
• Owning and maintaining the US BSA/AML and OFAC compliance program.
• Overseeing suspicious activity monitoring, investigations, and SAR filings.
• Managing relationships with banking partners and sponsor banks.
• Ensuring compliance with FinCEN, OFAC, and state-level AML obligations.
• Supporting the development and tuning of AML/Fraud rules and transaction monitoring tools.
• Collaborating cross-functionally with Risk, Product, Operations, and Legal.
• Providing periodic AML/FCC reporting to senior management.
• Maintaining up-to-date knowledge of relevant regulatory developments.

Requirements:

• Minimum of 3-5 years of relevant experience in BSA/AML compliance.
• Deep understanding of US AML regulations, FinCEN guidelines, and OFAC requirements.
• Experience interacting with banking partners and/or working under a bank sponsorship model is strongly preferred.
• Prior experience with filing SARs, conducting AML investigations, and managing transaction monitoring systems.
• Strong analytical skills with the ability to assess risk and translate regulations into operational controls.
• CAMS certification or equivalent preferred.
• Bachelor’s degree required; advanced degrees or legal background a plus.

What Aspire offers:

• 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).