Senior BSA/AML Investigator (Fintech)

Location: On-site in Palo Alto, California, or New York City, New York; this is not a remote or hybrid position.

Base salary: $125,000–$145,000 USD per year, plus equity and benefits.

Company

xAI develops AI systems designed to understand the universe and support humanity’s pursuit of knowledge, with a hands-on and engineering-focused working environment.

What you will do

• Investigate and resolve complex transaction-monitoring alerts and financial-crime cases by analyzing payment flows and user behavior.
• Prepare, review, and recommend Suspicious Activity Reports with accurate narratives and supporting documentation.
• Support KYC, onboarding, enhanced due diligence, customer-risk reviews, and risk-rating adjustments.
• Tune and optimize transaction-monitoring rules and scenarios to reduce false positives while preserving detection effectiveness.
• Collaborate with Product, Risk, Legal, and other teams on compliance initiatives and new product launches.
• Mentor junior investigators and maintain expertise in evolving BSA/AML, OFAC, FinCEN, and payment-industry requirements.

Requirements

• At least 4 years of hands-on AML experience, ideally in fintech or banking.
• In-depth knowledge of the Bank Secrecy Act, USA PATRIOT Act, OFAC sanctions, and related requirements.
• Practical familiarity with FinCEN, FATF, and other local, regional, and international regulatory guidance.
• Experience investigating digital payments, money transmission, wallets, or peer-to-peer platforms is highly desirable.
• Strong analytical, problem-solving, communication, presentation, and stakeholder-management skills.
• Must meet U.S. ITAR eligibility requirements, including U.S. citizenship or nationality, lawful permanent residence, refugee or asylee status, or eligibility to obtain the required authorizations.

Nice to have

• Experience preparing and filing high-quality SAR narratives.
• AML-related certifications such as CAMS or CGSS.

Culture & Benefits

• Small, highly motivated team with a flat organizational structure.
• Hands-on work focused on engineering excellence, initiative, and strong prioritization.
• Equity and comprehensive medical, vision, and dental coverage.
• 401(k) retirement plan, short- and long-term disability insurance, life insurance, and additional discounts and perks.