MLRO, Singapore

At Aspire were more than just a FinTech companywere the leading all-in-one financial operating system built to empower the worlds 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 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 50000 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 LinkedIns 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!

About the role:

We are seeking an experienced and detail-orientedMoney Laundering Reporting Officer (MLRO) to join our dynamic Compliance team in Singapore. As the designated MLRO you will play a critical role in safeguarding our operations and clients from financial crime. You will be the principal point of contact with MAS for AML/CFT matters and ensure full compliance with Singapores regulatory obligations under the Payment Services Act and MAS Notice PSN01. The role will report to the Global Head of Financial Crime Compliance and drive the continuous enhancement of our financial crime control framework in Singapore.

What will you be doing

• Serve as the appointed Money Laundering Reporting Officer (MLRO) and the key point of contact for all AML/CFT matters
• Lead the design implementation and ongoing maintenance of the companys AML/CFT framework in accordance with the Payment Services Act and MAS Notices and Guidelines.
• Review update and enforce Fin crime-related policies procedures and internal controls to ensure alignment with regulatory requirements and industry best practices.
• Oversee and support the Fin Crime Operations team in conducting customer due diligence (CDD) enhanced due diligence (EDD) sanctions screening and transaction monitoring activities.
• Investigate and assess suspicious transactions prepare Suspicious Transaction Reports (STRs) and submit them to the Suspicious Transaction Reporting Office (STRO).
• Review approve and provide advice to the business on high risk clients transactions and events.
• Conduct regular Fin crime risk assessments and gap analyses; propose and implement necessary risk mitigation measures.
• Coordinate with internal stakeholders and senior management to ensure the effective execution of the fincrime program.
• Design and deliver Fin crime training to employees across the organization and ensure that relevant teams are kept up to date with regulatory developments.
• Prepare and submit periodic AML/CFT regulatory reports including annual AML returns as required under MAS regulations.

Minimum qualifications:

• At least 7 years of relevant experience in AML/CFT compliance
• Strong working knowledge of the MAS Payment Services Act MAS Notices (e.g. PSN01) and AML/CFT guidelines applicable to payment service providers.
• Demonstrated experience handling STR investigations submissions to the STRO transaction monitoring and CDD/EDD reviews.
• Proven ability to liaise with regulators auditors and other external stakeholders on AML/CFT matters.

Preferred qualifications:

• Prior experience as MLRO in a fintech or payment services environment regulated by MAS.
• Familiarity with Fin crime technology and tools (e.g. screening and transaction monitoring systems) and ability to work with data to identify trends or anomalies.
• Detail-oriented with excellent analytical investigative and decision-making skills.
• Strong written and verbal communication skills including the ability to prepare reports and present findings clearly and concisely.
• Ability to work independently while also being an effective collaborator within cross-functional teams.
• CAMS certification or equivalent AML/CFT qualification

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 Aspires 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 .