About the Role
X Money 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.
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
Required 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.
