Fraud Analyst (Fintech)

Location: Hybrid in Palo Alto, California, or New York City; remote work is permitted on Saturdays and Sundays, while in-office attendance is required Monday through Wednesday.

Salary: $100,000–$135,000 USD per year

Company

xAI develops AI systems designed to understand the universe and support humanity’s pursuit of knowledge.

What you will do

• Monitor, investigate, and escalate fraud, money laundering, and suspicious activity alerts.
• Review customer activity, account behavior, and transaction patterns to identify financial crime red flags.
• Conduct customer due diligence, enhanced due diligence, and ongoing monitoring reviews.
• Collaborate with Engineering and senior management on complex investigations and risk mitigation.
• Document investigations and support audits, regulatory examinations, and independent reviews.
• Help develop, test, and tune transaction monitoring rules and fraud detection scenarios.

Requirements

• At least 2 years of direct experience in fraud investigation, fraud operations, or fraud risk management within financial services or fintech.
• Working knowledge of BSA/AML regulations, OFAC sanctions, and related compliance frameworks.
• Experience with transaction monitoring systems, case management platforms, and fraud detection tools.
• Strong analytical, written, and verbal communication skills, including investigative narrative and regulatory filing preparation.
• Ability to work the full-time Saturday–Wednesday schedule.
• Applicants must be U.S. citizens or nationals, lawful permanent residents, refugees, asylees, or eligible to obtain the required U.S. government authorizations under ITAR requirements.

Nice to have

• Experience in fintech, payments, or digital banking.
• CAMS, CFE, or another relevant compliance or fraud certification.
• Familiarity with SAR filing processes and FinCEN requirements.
• Knowledge of account takeover, synthetic identity, payment fraud, and mule activity.

Culture & Benefits

• Small, highly motivated team with a flat organizational structure and hands-on contribution.
• Medical, vision, and dental coverage.
• 401(k) retirement plan, disability insurance, and life insurance.
• Equity, discounts, and additional company perks.