Fraud Analyst (Sat-Weds)

Remote; San Francisco (CA); Hybrid; USD 100,000 - 135,000; Full time

Benefits offered by this job

Equity

Medical coverage

401(k)

Dental coverage

Vision coverage

Job summary

SpaceXAI is seeking a Fraud Analyst to support our BSA/AML team and mitigate financial crime risks. You will investigate fraud, perform CDD/EDD, and collaborate with Engineering to enhance risk controls.

This full-time role requires a Saturday–Wednesday schedule, with in-office attendance Monday–Wednesday at Palo Alto or NYC offices and remote work on weekends. The role emphasizes monitoring, due diligence, and policy updates, with opportunities to contribute to audits and regulatory

Qualifications

• 2+ years in fraud investigation or risk management in financial services/fintech.
• Knowledge of BSA/AML, OFAC sanctions, and related frameworks.
• Experience with transaction monitoring systems and fraud detection tools.
• Strong data interpretation and pattern recognition for fraud.
• Clear investigative narratives and regulatory filing writing skills.

Responsibilities

• Monitor, investigate, and elevate fraud/money-laundering alerts using monitoring systems.
• Review customer activity and transaction patterns to identify red flags.
• Perform CDD/EDD and ongoing monitoring reviews.
• Collaborate with Engineering and leadership to investigate complex cases.
• Document investigations, findings, and decisions for audits/regulatory exams.
• Assist in developing, testing, and tuning monitoring rules and scenarios.
• Stay updated on emerging fraud typologies and AML regulations.
• Support audits, regulatory exams, and independent reviews of BSA/AML program.
• Provide training on fraud/AML red flags to staff as needed.

Skills

Fraud investigation

BSA/AML knowledge

Regulatory compliance

Analytical skills

Communication

Audit support

Tools

Monitoring systems

Case management

Fraud detection tools

Job description

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 a Fraud Analyst to join our BSA/AML team. In this role, you will support the detection, investigation, and mitigation of financial crime risks, with a strong emphasis on fraud-related activity. You will play a key part in ensuring XMoney remains compliant with Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and related regulations while protecting the company and its customers from fraud and illicit activity.

This is a full-time salaried position with a Saturday–Wednesday schedule. Remote work is permitted on Saturdays and Sundays; in‑office attendance is required Monday through Wednesday at either our Palo Alto headquarters or New York City office.

RESPONSIBILITIES:

• Monitor, investigate, and elevate potential fraud, money laundering, and suspicious activity alerts using transaction monitoring systems and case management tools.

• Conduct thorough reviews of customer activity, account behavior, and transaction patterns to identify red flags related to fraud and financial crime.

• Perform customer due diligence (CDD), enhanced due diligence (EDD), and ongoing monitoring reviews.

• Collaborate with Engineering and senior management to investigate complex cases and recommend risk mitigation actions.

• Maintain accurate documentation of investigations, findings, and decisions to support audit and regulatory examinations.

• Assist in the development, testing, and tuning of transaction monitoring rules and fraud detection scenarios.

• Stay current on emerging fraud typologies, AML regulations, and industry best practices; contribute to policy and procedure updates.

• Support internal and external audits, regulatory exams, and independent reviews of the BSA/AML program.

• Provide guidance and training to front-line staff on fraud and AML red flags as needed.

BASIC QUALIFICATIONS:

• Minimum of 2 years of direct experience in fraud investigation, fraud operations, or fraud risk management within the financial services or fintech sector.

• Working knowledge of BSA/AML regulations, OFAC sanctions, and related compliance frameworks.

• Experience using transaction monitoring systems, case management platforms, and fraud detection tools.

• Strong analytical skills with the ability to interpret complex data and identify patterns of suspicious or fraudulent activity.

• Excellent written and verbal communication skills, including the ability to draft clear investigative narratives and regulatory filings.

• Ability to commit to the Saturday–Wednesday full-time work schedule.

PREFERRED SKILLS AND EXPERIENCE:

• Experience in a fintech, payments, or digital banking environment.

• CAMS, CFE, or other relevant compliance/fraud certifications.

• Familiarity with SAR filing processes and FinCEN requirements.

• Experience collaborating across Fraud, Compliance, and Risk functions.

• Knowledge of emerging fraud trends (e.g., account takeover, synthetic identity, payment fraud, mule activity)

COMPENSATION AND BENEFITS:

$100,000 - $135,000 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.

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.