Senior BSA/AML Investigator

<div class="content-intro"><h3><strong><span style="font-family: arial, helvetica, sans-serif;">ABOUT xAI</span></strong></h3>
<p><span style="font-family: arial, helvetica, sans-serif;">xAI’s mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. </span><span style="font-family: arial, helvetica, sans-serif;">Our team is small, highly motivated, and focused on engineering excellence. This organization is for individuals who appreciate challenging themselves and thrive on curiosity. </span><span style="font-family: arial, helvetica, sans-serif;">We operate with a flat organizational structure. All employees are expected to be hands-on and to contribute directly to the company’s mission. Leadership is given to those who show initiative and consistently deliver excellence. Work ethic and strong prioritization skills are important. </span><span style="font-family: arial, helvetica, sans-serif;">All employees are expected to have strong communication skills. They should be able to concisely and accurately share knowledge with their teammates.</span></p></div><h3 data-pm-slice="1 1 []"><span style="font-family: arial, helvetica, sans-serif;">ABOUT THE ROLE:</span></h3>
<p>The Payments team is seeking an experienced BSA/AML Investigator to help detect, prevent, and report financial crimes. As part of the Legal & Compliance Team, you will help maintain an effective BSA/AML and Sanctions compliance program (“BSA/AML Program”). You will support the 5 pillars of an effective program. </p>
<p>This is an in-office position based out of either our Palo Alto or New York City offices.</p>
<h3><span style="font-family: arial, helvetica, sans-serif;">RESPONSIBILITIES:</span></h3>
<ul>
<li>Independently investigate and resolve complex alerts and cases from transaction monitoring systems, including in-depth analysis of payment flows and user behaviors.</li>
<li>Prepare, review, and recommend filing of Suspicious Activity Reports (SARs), ensuring high-quality narratives and supporting documentation.</li>
<li>Assist with KYC and onboarding matters as required.</li>
<li>Conduct Enhanced Due Diligence (EDD) on high-risk users and transactions; perform periodic reviews of customer risk profiles and recommend adjustments to risk ratings.</li>
<li>Assist in tuning and optimizing transaction monitoring rules and scenarios to reduce false positives while maintaining detection effectiveness.</li>
<li>Mentor and provide guidance to junior team members on investigation techniques and regulatory requirements.</li>
<li>Collaborate with internal teams (e.g., Product, Risk, Legal) on compliance-related initiatives and new product launches.</li>
<li>Maintain expertise in evolving BSA/AML/OFAC regulations, FinCEN guidance, and payment industry financial crime trends</li>
</ul>
<h3><span style="font-family: arial, helvetica, sans-serif;">BASIC QUALIFICATIONS:</span></h3>
<ul>
<li>4+ years of hands-on experience in AML, ideally in fintech or banking.</li>
<li>Familiarity with financial crime risks specific to digital payments, money transmission, wallets, or peer-to-peer platforms is highly desirable.</li>
<li>Proven experience preparing and filing SARs, including high-quality, well-structured narratives — strongly preferred.</li>
<li>In-depth knowledge of BSA/AML laws and regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC sanctions, and related requirements.</li>
<li>Proven familiarity with local, regional, and international regulatory bodies (e.g., FinCEN, FATF, or equivalent), with practical experience navigating their guidelines.</li>
<li>Demonstrated ability to drive operational changes, manage competing priorities, and collaborate effectively across global teams and regions.</li>
<li>Strong analytical mindset with structured problem-solving skills, a sense of urgency, and the capacity to work independently under minimal supervision.</li>
<li>Excellent verbal, written, and presentation skills, paired with interpersonal abilities to influence stakeholders at all levels and advance strategic initiatives.</li>
<li>Quick learner with adaptability to evolving technologies, regulations, and business needs.</li>
<li>AML-related certifications (e.g., CAMS, CGSS) are preferred but not required.</li>
</ul>
<h3><strong>COMPENSATION AND BENEFITS:</strong></h3>
<p>$125,000 - $150,000 USD</p>
<p class="p2">Base salary is just one part of our total rewards package at xAI, which also includes equity, comprehensive medical, vision, and dental coverage, access to a 401(k) retirement plan, short & long-term disability insurance, life insurance, and various other discounts and perks.</p>
<p class="p1"><strong>ITAR REQUIREMENTS:</strong></p>
<ul class="ul1">
<li class="li2">To conform to U.S. Government export regulations, applicant must be a (i) U.S. citizen or national, (ii) U.S. lawful, permanent resident (aka green card holder), (iii) Refugee under 8 U.S.C. § 1157, or (iv) Asylee under 8 U.S.C. § 1158, or be eligible to obtain the required authorizations from the U.S. Department of State. Learn more about the ITAR <a href="https://deccs.pmddtc.state.gov/deccs"><span class="s2">here</span></a>.</li>
</ul><div class="content-conclusion"><p><em>xAI is an equal opportunity employer. For details on data processing, view our </em><em><a href="https://x.ai/legal/recruitment-privacy-notice" target="_blank">Recruitment Privacy Notice</a>.</em></p></div>