Fraud Analyst

FRAUD ANALYST - SAT-WED SHIFT

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 X Money 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.

RESPONSIBILITIES:

• Monitor, investigate, and escalate 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:

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

PREFERRED SKILLS AND EXPERIENCE:

• 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
• 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)

ADDITIONAL REQUIREMENTS:

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

COMPENSATION AND BENEFITS:

$100,000 - $135,000 USD

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