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Senior BSA/AML Investigator

xAI· Safety
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Palo Alto, CA, New York, NY$125k - $145kfull-timePosted 3w ago

About the role

Experienced BSA/AML Investigator to detect, prevent, and report financial crimes as part of the Legal & Compliance Team for X Money. On-site role based in Palo Alto, CA or New York, NY.

Responsibilities

  • Independently investigate and resolve complex alerts and cases from transaction monitoring systems, including in-depth analysis of payment flows and user behaviors
  • Prepare, review, and recommend filing of Suspicious Activity Reports (SARs), ensuring high-quality narratives and supporting documentation
  • Assist with KYC and onboarding matters as required
  • Conduct Enhanced Due Diligence (EDD) on high-risk users and transactions; perform periodic reviews of customer risk profiles and recommend adjustments to risk ratings
  • Assist in tuning and optimizing transaction monitoring rules and scenarios to reduce false positives while maintaining detection effectiveness
  • Mentor and provide guidance to junior team members on investigation techniques and regulatory requirements
  • Collaborate with internal teams (e.g., Product, Risk, Legal) on compliance-related initiatives and new product launches
  • Maintain expertise in evolving BSA/AML/OFAC regulations, FinCEN guidance, and payment industry financial crime trends

Qualifications

  • 4+ years of hands-on experience in AML, ideally in fintech or banking
  • Familiarity with financial crime risks specific to digital payments, money transmission, wallets, or peer-to-peer platforms
  • Proven experience preparing and filing SARs, including high-quality, well-structured narratives
  • In-depth knowledge of BSA/AML laws and regulations (BSA, USA PATRIOT Act, OFAC)
  • Familiarity with local, regional, and international regulatory bodies (e.g., FinCEN, FATF)
  • Ability to drive operational changes, manage competing priorities, and collaborate across global teams
  • Strong analytical mindset, problem-solving, sense of urgency, and ability to work independently
  • Excellent verbal, written, and presentation skills; able to influence stakeholders
  • Quick learner with adaptability to evolving technologies, regulations, and business needs
  • AML related certifications (e.g., CAMS, CGSS) preferred but not required

Skills

Required:BSA/AML regulatory knowledgeSAR preparation and filingEDD (Enhanced Due Diligence)Transaction monitoringRegulatory collaborationRegulatory landscape awareness
Nice to have:KYC/Onboarding

Benefits

  • equity
  • comprehensive medical, vision, and dental coverage
  • 401(k) retirement plan
  • short & long-term disability insurance
  • life insurance
  • various other discounts and perks
Last updated Oct 14, 2026. Interested? Apply on the company site.

About xAI

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