Fraud Analyst (Fintech)

Location: New York, New York, or Palo Alto, California, United States. 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.

Salary: $115,000–$140,000 USD per year, plus equity and benefits.

Company

xAI develops AI systems designed to help humanity understand the universe and pursue knowledge, with XMoney providing financial services subject to fraud and financial crime controls.

What you will do

• Monitor, investigate, and escalate fraud, money laundering, and suspicious activity alerts using transaction monitoring and case management tools.
• Review customer behavior, account activity, and transaction patterns to identify fraud and 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 actions.
• Document investigative findings and decisions for audits, regulatory examinations, and independent reviews.
• Help develop, test, and tune transaction monitoring rules and fraud detection scenarios.

Requirements

• At least two 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 skills for interpreting complex data and identifying suspicious or fraudulent activity patterns.
• Excellent written and verbal communication skills, including investigative narratives and regulatory filings.
• Must meet applicable U.S. ITAR authorization 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.
• Experience collaborating across Fraud, Compliance, and Risk functions.
• Knowledge of account takeover, synthetic identity, payment fraud, and mule activity trends.

Culture & Benefits

• Small, highly motivated organization with a flat structure and an emphasis on engineering excellence.
• Hands-on work and direct contribution to the company mission.
• Equity compensation and comprehensive medical, vision, and dental coverage.
• 401(k), short- and long-term disability insurance, life insurance, discounts, and other perks.