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Salary: USD 125,000 - 145,000 / annual
xAI is seeking an experienced Senior BSA/AML Investigator to join the Legal & Compliance Team and help detect, prevent, and report financial crimes for X Money. This is an on-site role based at either the Palo Alto headquarters or New York City office.
You will independently investigate and resolve complex alerts and cases from transaction monitoring systems, conducting in-depth analysis of payment flows and user behaviors. You will prepare, review, and recommend filing of Suspicious Activity Reports (SARs), ensuring high-quality narratives and supporting documentation. The role includes conducting Enhanced Due Diligence (EDD) on high-risk users and transactions, performing periodic reviews of customer risk profiles, and recommending adjustments to risk ratings.
You will assist with KYC and onboarding matters, help tune and optimize transaction monitoring rules and scenarios to reduce false positives while maintaining detection effectiveness, and mentor junior team members on investigation techniques and regulatory requirements. Collaboration with internal teams (Product, Risk, Legal) on compliance-related initiatives and new product launches is expected. You will maintain expertise in evolving BSA/AML/OFAC regulations, FinCEN guidance, and payment industry financial crime trends.
The company operates with a flat organizational structure where all employees are expected to be hands-on and contribute directly to the mission. Strong work ethic, prioritization skills, and excellent communication abilities are essential.
REQUIREMENTS:
- 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 (highly desirable)
- Proven experience preparing and filing SARs with high-quality, well-structured narratives (strongly preferred)
- In-depth knowledge of BSA/AML laws and regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC sanctions, and related requirements
- Proven familiarity with local, regional, and international regulatory bodies (e.g., FinCEN, FATF, or equivalent) with practical experience navigating their guidelines
- Demonstrated ability to drive operational changes, manage competing priorities, and collaborate effectively across global teams and regions
- Strong analytical mindset with structured problem-solving skills, sense of urgency, and capacity to work independently under minimal supervision
- Excellent verbal, written, and presentation skills with interpersonal abilities to influence stakeholders at all levels
- Quick learner with adaptability to evolving technologies, regulations, and business needs
- AML-related certifications (e.g., CAMS, CGSS) preferred but not required
- Must be a U.S. citizen, national, lawful permanent resident, Refugee, or Asylee, or be eligible to obtain required authorizations from the U.S. Department of State (ITAR requirement)
