About this role
The team at xAI is building advanced artificial intelligence systems designed to understand the universe and aid human knowledge. Within the Legal & Compliance Team, the Senior BSA/AML Investigator will protect the financial infrastructure of X Money by maintaining a robust compliance program. Daily tasks involve analyzing complex payment flows, resolving transaction monitoring alerts, conducting enhanced due diligence, and filing suspicious activity reports.
This position exists to ensure regulatory adherence and safeguard operations against financial crimes as the organization grows. Ideal candidates bring a rigorous analytical mindset, substantial operational independence, and deep familiarity with regulatory frameworks governing digital payments and banking.
What you will do
- 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 the filing of Suspicious Activity Reports with high-quality narratives and supporting documentation.
- Conduct Enhanced Due Diligence on high-risk users and transactions while performing periodic reviews of customer risk profiles.
- Assist in tuning and optimizing transaction monitoring rules to reduce false positives and maintain detection effectiveness.
- Mentor and provide guidance to junior team members on investigation techniques and regulatory requirements.
- Collaborate with internal product, risk, and legal teams on compliance-related initiatives and new product launches.
- Maintain expertise in evolving financial crime regulations, FinCEN guidance, and payment industry trends.
What you need
- Four or more years of hands-on experience in anti-money laundering within the fintech or banking sectors.
- Demonstrated knowledge of the Bank Secrecy Act, USA PATRIOT Act, OFAC sanctions, and related regulatory requirements.
- Proven experience preparing and filing Suspicious Activity Reports with structured narratives.
- Strong analytical mindset paired with structured problem-solving skills and the ability to work independently under minimal supervision.
- Excellent verbal, written, and presentation skills to effectively influence stakeholders at all levels.
Nice to have
- Familiarity with financial crime risks specific to digital payments, money transmission, wallets, or peer-to-peer platforms
- AML-related certifications such as CAMS or CGSS
Benefits
- Equity
- Comprehensive medical, vision, and dental coverage
- Access to a 401(k) retirement plan
- Short and long-term disability insurance
- Life insurance
- Various other discounts and perks
Questions candidates ask
Is this a remote position?
This is not a remote or hybrid position. The role is based on-site at either the Palo Alto headquarters or the New York City office.
What is the compensation range for this role?
The base salary ranges from $125,000 to $145,000 USD. Base salary is just one part of the total rewards package, which also includes equity and comprehensive benefits.
What team will I be joining?
You will be joining the Legal & Compliance Team. The team operates with a flat organizational structure and focuses on engineering excellence.
Are there specific citizenship requirements to apply?
To conform to U.S. Government export regulations, applicants must be a U.S. citizen, national, lawful permanent resident, refugee, or asylee, or be eligible to obtain the required authorizations from the U.S. Department of State.