Senior BSA/AML Investigator

<div class="content-intro"><h3><strong><span style="font-family: arial, helvetica, sans-serif;">About xAI</span></strong></h3> <p><span style="font-family: arial, helvetica, sans-serif;">xAI’s mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. </span><span style="font-family: arial, helvetica, sans-serif;">Our team is small, highly motivated, and focused on engineering excellence. This organization is for individuals who appreciate challenging themselves and thrive on curiosity. </span><span style="font-family: arial, helvetica, sans-serif;">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. </span><span style="font-family: arial, helvetica, sans-serif;">All employees are expected to have strong communication skills. They should be able to concisely and accurately share knowledge with their teammates.</span></p> <p> </p></div><h3 data-pm-slice="1 1 []"><span style="font-family: arial, helvetica, sans-serif;">About the Role</span></h3> <p>X Payments is 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 Corp. You will support the 5 pillars of an effective program. </p> <h3><span style="font-family: arial, helvetica, sans-serif;">Responsibilities</span></h3> <ul> <li>Independently investigate and resolve complex alerts and cases from transaction monitoring systems, including in-depth analysis of payment flows and user behaviors.</li> <li>Prepare, review, and recommend filing of Suspicious Activity Reports (SARs), ensuring high-quality narratives and supporting documentation.</li> <li>Assist with KYC and onboarding matters as required.</li> <li>Conduct Enhanced Due Diligence (EDD) on high-risk users and transactions; perform periodic reviews of customer risk profiles and recommend adjustments to risk ratings.</li> <li>Assist in tuning and optimizing transaction monitoring rules and scenarios to reduce false positives while maintaining detection effectiveness.</li> <li>Mentor and provide guidance to junior team members on investigation techniques and regulatory requirements.</li> <li>Collaborate with internal teams (e.g., Product, Risk, Legal) on compliance-related initiatives and new product launches.</li> <li>Maintain expertise in evolving BSA/AML/OFAC regulations, FinCEN guidance, and payment industry financial crime trends</li> </ul> <h3><span style="font-family: arial, helvetica, sans-serif;">Required Qualifications</span></h3> <ul> <li>4+ years of hands-on experience in AML, ideally in fintech or banking.</li> <li>Familiarity with financial crime risks specific to digital payments, money transmission, wallets, or peer-to-peer platforms is highly desirable.</li> <li>Proven experience preparing and filing SARs, including high-quality, well-structured narratives — strongly preferred.</li> <li>In-depth knowledge of BSA/AML laws and regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC sanctions, and related requirements.</li> <li>Proven familiarity with local, regional, and international regulatory bodies (e.g., FinCEN, FATF, or equivalent), with practical experience navigating their guidelines.</li> <li>Demonstrated ability to drive operational changes, manage competing priorities, and collaborate effectively across global teams and regions.</li> <li>Strong analytical mindset with structured problem-solving skills, a sense of urgency, and the capacity to work independently under minimal supervision.</li> <li>Excellent verbal, written, and presentation skills, paired with interpersonal abilities to influence stakeholders at ... (truncated, view full listing at source)