# Senior BSA/AML Investigator

**Company**: xAI
**Location**: New York, NY
**Work arrangement**: onsite
**Experience**: senior
**Job type**: full-time
**Salary**: $125,000 - $150,000 USD
**Category**: Finance
**Industry**: Technology
**Wikidata**: https://www.wikidata.org/wiki/Q120599684

**Apply**: https://job-boards.greenhouse.io/xai/jobs/5058161007
**Canonical**: https://yubhub.co/jobs/job_b6319233-63d

## Description

Job Description:

About xAI

xAI's mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge.

## ABOUT THE ROLE:

The Payments team is seeking an experienced BSA/AML Investigator to help detect, prevent, and report financial crimes.

## RESPONSIBILITIES:

- Independently investigate and resolve complex alerts and cases from transaction monitoring systems, including in-depth analysis of payment flows and user behaviours.

- 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 optimising 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 - $150,000 USD

Base salary is just one part of our total rewards package at xAI, 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.

## Skills

### Required
- AML
- fintech
- banking
- financial crime risks
- digital payments
- money transmission
- wallets
- peer-to-peer platforms
- SARs
- BSA/AML laws and regulations
- Bank Secrecy Act
- USA PATRIOT Act
- OFAC sanctions
- FinCEN guidance
- FATF
- regulatory bodies
- transaction monitoring systems
- payment flows
- user behaviours
- KYC
- onboarding
- Enhanced Due Diligence
- customer risk profiles
- risk ratings
- transaction monitoring rules
- scenarios
- false positives
- detection effectiveness
- investigation techniques
- regulatory requirements
- compliance-related initiatives
- new product launches
- evolving technologies
- regulations
- business needs