Legal Counsel - US

People on the move deserve a bank that moves with them. Since 2022, Aspora has been building a borderless financial operating system that makes money as mobile and transparent as its users.

Backed by influential venture capitalists like Sequoia Capital, Greylock Partners, Hummingbird Ventures, Y Combinator & Global Founders Capital. We're a team of 75+ across India, the UK, the UAE, EU and the US, working with extreme ownership, radical candour, and an obsession with customer impact.

We celebrate builders who question assumptions, ship fast, and turn regulatory complexity into elegant solutions. If you’re driven to redefine what global banking can be, we’d love to build the future with you.

As Legal Counsel - US, you will be Aspora’s primary legal owner for our US business across money transmission, cross-border remittance, and payments products. You’ll translate complex US laws and regulations into clear, practical guidance, helping us design compliant products, structure partnerships, and navigate state and federal requirements.

You’ll work closely with our US Chief Compliance Officer, external US legal/consulting partners, and the global legal & compliance team. In this role, you’ll also have the opportunity to work on cross-border matters and support legal initiatives in other jurisdictions, contributing to Aspora’s global legal and regulatory strategy. This is a high-impact, high-ownership role: you’ll be a key voice on how Aspora grows in the US, balancing regulatory expectations with speed and innovation for our diaspora customers.

Reports to: Group General Counsel

Location: Remote in United States | Easter & Central Timezones preferred

• Serve as primary US legal counsel for Aspora’s US money transmission, remittance, and payments offerings, providing day-to-day advice to product, operations, compliance, and leadership.

• Advise on the legal aspects of state money transmitter licensing (MTLs), NMLS filings, product structures, and customer journeys, partnering closely with the US CCO and compliance team.

• Interpret and advise on US federal and state laws affecting our business, including money
  transmission laws, EFTA/Reg E, consumer protection/UDAP, BSA/AML and sanctions (from a legal perspective), privacy, and marketing/advertising rules.

• Draft, review, and negotiate a wide range of commercial agreements, including bank and program- manager arrangements, payment processor agreements, vendor contracts, and partnership deals.

• Own and maintain customer-facing legal content for the US (terms and conditions, disclosures, consent language, privacy notices), and support the development of internal policies and playbooks.

• Support interactions with US regulators, state agencies, banking partners, auditors, and external counsel, including preparing responses to exams, inquiries, and complaints.

• Monitor legal and regulatory developments impacting remittances, payments, and consumer financial services, and proactively translate them into concrete product and process changes.

• Able to handle multi-jurisdictional legal matters in close coordination with our global legal team.

• Build scalable templates, training, and guidance to help non-legal teams spot issues early and make sound, risk-aware decisions.
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• JD from an accredited US law school and active membership in at least one US state bar; eligible to practice in your state of residence (in-house registration where applicable).

• 3 – 5 years of post-qualification experience in legal roles focused on financial services, payments, or fintech—whether in-house or at a top law firm advising such clients.

• Strong working knowledge of US money transmission and payments law, consumer financial
  services rules (including EFTA/Reg E and UDAP/UDAAP concepts), and the legal dimensions of BSA/AML, sanctions, and data privacy.

• Track record of partnering with product, compliance, and operations teams to launch or scale financial products in a regulated environment, ideally across multiple states or jurisdictions.

• Exceptional drafting and negotiation skills; able to create clear, commercially focused contracts and policies that reflect our risk appetite.

• Risk-based mindset with the ability to propose pragmatic, business-oriented solutions that balance regulatory expectations, customer protection, and growth.

• Comfortable operating as an early legal hire in a fast-moving environment—hands-on, resourceful, and decisive under ambiguity.

• Excellent communicator who can simplify complex legal concepts, influence stakeholders at all levels, and build trust with regulators, partners, and internal teams.

• Opportunity to be the foundational US legal hire in a fast-growing fintech, shaping how a borderless financial operating system is built for diaspora communities

• Competitive salary and opportunity for wealth creation

• Professional development budget and learning stipends

• Wellness benefits and team bonding initiatives

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