# Senior BSA/AML Investigator

**Company:** [xAI](https://hotfix.jobs/companies/xai)
**Location:** New York, NY, Palo Alto, CA
**Role:** Legal
**Salary:** $125k – $150k/yr
**Experience:** 4+ years
**Skills:** AML, Bsa, Sar Filing, Kyc, Enhanced Due Diligence, Ofac Sanctions, Fincen, Fatf, Transaction Monitoring, Financial Crime Investigation
**Posted:** 2026-05-28

> Investigate complex financial crime alerts, prepare SARs, conduct EDD, and support BSA/AML compliance program for a fintech payments team. Requires 4+ years AML experience, SAR filing expertise, and deep knowledge of BSA/AML regulations.

## Job Description

## 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.

## Requirements
- 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.
- Proven experience preparing and filing SARs, including high-quality, well-structured narratives.
- 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).
- 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.
- Quick learner with adaptability to evolving technologies, regulations, and business needs.
- AML-related certifications (e.g., CAMS, CGSS) are preferred but not required.

## Similar roles

- [Senior Litigation Paralegal](https://hotfix.jobs/jobs/607a759c-004c-4b27-aaa5-e1b609b16def) - Coinbase - Remote - $125k – $147k/yr
- [Senior Trade Compliance Specialist- Authorizations (R4873)](https://hotfix.jobs/jobs/c0bb4a2d-9dbb-4ab6-b5c0-4624b62c05ee) - Shield AI - Washington, DC - $124k – $186k/yr
- [Senior Trade Compliance Specialist, Classifier (R4874)](https://hotfix.jobs/jobs/54669943-b433-450c-801b-579321b2d6a4) - Shield AI - Dallas, TX - $124k – $186k/yr
- [Legal Ops Senior Manager](https://hotfix.jobs/jobs/64171908-41bd-4d31-813b-3febe131c159) - Valon - New York, NY - $120k – $180k/yr
- [Contract Manager](https://hotfix.jobs/jobs/355d51e5-b7a2-4e03-a2aa-05c5d300dc47) - Prove AI - New York, NY - $115k – $140k/yr

**Apply:** https://hotfix.jobs/jobs/1e704f7f-5010-494e-b026-3a7c42ad9aa0
**Canonical:** https://hotfix.jobs/jobs/1e704f7f-5010-494e-b026-3a7c42ad9aa0