Senior BSA/AML Investigator

Xai

Palo Alto +1 more

On-site

Who this role is best for

A natural match if you have hands-on BSA/AML experience in fintech or banking and thrive in a flat, collaborative structure.

Best fit for

Candidates with 4+ years of AML experience in fintech or banking and a track record of filing high-quality SARs
— “4+ years of hands-on experience in AML, ideally in fintech or banking.”
Individuals who can independently analyze complex transaction flows and user behaviors with minimal oversight
— “Independently investigate and resolve complex alerts and cases from transaction monitoring systems.”
Professionals with a strong grasp of BSA/AML laws and the ability to influence cross-functional teams
— “Excellent verbal, written, and presentation skills, paired with interpersonal abilities to influence stakeholders at all levels.”

Things to consider

On-site presence is mandatory in either Palo Alto or New York, with no remote or hybrid options
— “This is not a remote or hybrid position.”
U.S. citizenship or residency is required to meet ITAR export regulations
— “applicant must be a (i) U.S. citizen or national, (ii) U.S. lawful, permanent resident...”

How to stand out

Highlight experience with digital payment platforms and specific examples of SAR filings
— “Familiarity with financial crime risks specific to digital payments, money transmission, wallets, or peer-to-peer platforms is highly desirable.”
Emphasize your ability to mentor junior staff and drive operational improvements
— “Mentor and provide guidance to junior team members on investigation techniques and regulatory requirements.”
Demonstrate your capacity to work independently under minimal supervision with clear evidence
— “Strong analytical mindset with structured problem-solving skills, a sense of urgency, and the capacity to work independently under minimal supervision.”
Showcase your ability to collaborate across teams, especially with Product and Legal
— “Collaborate with internal teams (e.g., Product, Risk, Legal) on compliance-related initiatives.”
Include experience with FinCEN, FATF, or similar regulatory bodies in your resume
— “Proven familiarity with local, regional, and international regulatory bodies (e.g., FinCEN, FATF, or equivalent).”

Pace · SteadyCollaboration · HighAutonomy · MediumDecision Impact · Team

Derived from job-description analysis by Serendipath's career intelligence engine.

What success looks like

effective BSA/AML program
reduced false positives
high-quality SAR filings

Typical background

BSA/AML compliancefinancial crime investigation

Skills & requirements

Required

Bsa/aml ComplianceFinancial Crime DetectionRegulatory KnowledgeInvestigation TechniquesTeam Mentoring

Preferred

AML Certification

Stack & domain

AMLBsa/amlKYCSarsTransaction MonitoringCommunicationCollaborationMentoringAml-related CertificationFintechBankingFinancial Crime

About the role

Original posting from Xai via Greenhouse

SpaceXAI’s mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. Our team is small, highly motivated, and focused on engineering excellence. This organization is for individuals who appreciate challenging themselves and thrive on curiosity. 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. All employees are expected to have strong communication skills. They should be able to concisely and accurately share knowledge with their teammates.
ABOUT THE ROLE:
We are 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”) for X Money. You will support the 5 pillars of an effective program.
This is not a remote or hybrid position. This role is based on-site at either our Palo Alto headquarters or New York City office.
RESPONSIBILITIES:
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 filing of Suspicious Activity Reports (SARs), ensuring high-quality narratives and supporting documentation.
Assist with KYC and onboarding matters as required.
Conduct Enhanced Due Diligence (EDD) on high-risk users and transactions; perform periodic reviews of customer risk profiles and recommend adjustments to risk ratings.
Assist in tuning and optimizing transaction monitoring rules and scenarios to reduce false positives while maintaining detection effectiveness.
Mentor and provide guidance to junior team members on investigation techniques and regulatory requirements.
Collaborate with internal teams (e.g., Product, Risk, Legal) on compliance-related initiatives and new product launches.
Maintain expertise in evolving BSA/AML/OFAC regulations, FinCEN guidance, and payment industry financial crime trends.
BASIC QUALIFICATIONS:
4+ years of hands-on experience in AML, ideally in fintech or banking.
Familiarity with financial crime risks specific to digital payments, money transmission, wallets, or peer-to-peer platforms is highly desirable.
Proven experience preparing and filing SARs, including high-quality, well-structured narratives — strongly preferred.
In-depth knowledge of BSA/AML laws and regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC sanctions, and related requirements.
Proven familiarity with local, regional, and international regulatory bodies (e.g., FinCEN, FATF, or equivalent), with practical experience navigating their guidelines.
Demonstrated ability to drive operational changes, manage competing priorities, and collaborate effectively across global teams and regions.
Strong analytical mindset with structured problem-solving skills, a sense of urgency, and the capacity to work independently under minimal supervision.
Excellent verbal, written, and presentation skills, paired with interpersonal abilities to influence stakeholders at all levels and advance strategic initiatives.
Quick learner with adaptability to evolving technologies, regulations, and business needs.
AML-related certifications (e.g., CAMS, CGSS) are preferred but not required.
COMPENSATION AND BENEFITS:
$125,000 - $145,000 USD
Base salary is just one part of our total rewards package at SpaceXAI, 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.
ITAR REQUIREMENTS:
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 here.
SpaceXAI is an equal opportunity employer. For details on data processing, view our Recruitment Privacy Notice.

Source: Xai careers (Greenhouse)