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Salary: USD 125,000 - 145,000 / annual
X.ai (SpaceXAI) is seeking an experienced Senior BSA/AML Investigator to join its Legal & Compliance Team. The role focuses on detecting, preventing, and reporting financial crimes within X Money's BSA/AML and Sanctions compliance program.
Key responsibilities include:
- Independently investigate and resolve complex alerts and cases from transaction monitoring systems, performing in-depth analysis of payment flows and user behaviors
- Prepare, review, and recommend filing of Suspicious Activity Reports (SARs) with high-quality narratives and supporting documentation
- Conduct Enhanced Due Diligence (EDD) on high-risk users and transactions; perform periodic reviews of customer risk profiles and recommend risk rating adjustments
- Assist with KYC and onboarding matters as required
- 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 (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
The company operates with a flat organizational structure and emphasizes hands-on contribution, engineering excellence, and strong communication skills. This is an in-office role based at either the Palo Alto headquarters or New York City office.
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 (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 (CAMS, CGSS) preferred but not required
- Must be a U.S. citizen, national, lawful permanent resident, Refugee, or Asylee, or eligible to obtain required authorizations from the U.S. Department of State (ITAR requirement)
