Compliance Officer and MLRO Australia

About the role:

We are looking for a strategic compliance leader to hold the "keys to the castle" for our Australian business. As the Compliance Officer & MLRO, you will wear two critical hats: oversight of our established Payments business and incoming Investment business (ASIC) and managing the Anti-Money Laundering program for both businesses (AUSTRAC).

You will serve as our statutory AML/CTF Compliance Officer and be nominated as a Responsible Manager (RM) on our Australian Financial Services License(s) (AFSL).

This is not just an advisory role; it is a decision-making role responsible for protecting our license to operate while enabling our product expansion.

Key Responsibilities:1. Statutory & Regulatory Leadership (The Licenses)ASIC : Act as the primary Responsible Manager (RM) for our AFSL. oversee "Organizational Competence," maintain license conditions, and manage breach reporting.

AUSTRAC: Serve as the designated MLRO. Maintain and maintain the AML/CTF Program, ensuring full compliance with the AML/CTF Act 2006.

Regulatory Liaison: Act as the primary contact point for ASIC, AUSTRAC, and external auditors.

2. Operational Compliance (The Product)New Product Launch: Lead the compliance framework for the launch of our Payments and Investment products, including signing off on Target Market Determinations (TMDs) and Product Disclosure Statements (PDS).

Financial Crime Operations: Oversee transaction monitoring, IFTI/SMR reporting, and sanctions screening.

Advisory: Partner with the Product and Sales tribes to design compliant customer journeys (KYC, Onboarding, Suitability) that convert well without compromising the law.

Minimum qualifications:Residency: You must be a current resident of Australia

Experience: 7+ years in Financial Crime, Compliance, or Legal within Fintech, Banking, or Wealth Management in Australia.

Regulatory Knowledge: Deep understanding of the Corporations Act 2001 and the AML/CTF Act 2006 Including the amendments.

Statutory Experience: Previous experience as an MLRO/AML Officer is required. Previous experience as an AFSL Responsible Manager (or immediate readiness to step up) is highly preferred.

AML Program management: Experience leading senior stakeholders in implementing financial crime initiatives, including Tranche 2 reforms, and proactively manage financial crime risks.

Has a strong grasp of artificial intelligence concepts and the ability to apply AI tools and frameworks to solve real world problems at Aspire.

Preferred qualifications:

Experience dealing with crypto-assets or complex payment flows.

Experience scaling a compliance function from "start-up" to "scale-up."

ACAMS certified or equivalent