Fraud Analyst

About the role

You will own the integrity of financial crime detection for XMoney by driving end to end fraud risk investigations and ensuring strict adherence to regulatory obligations. In this capacity, you are responsible for independently managing the full lifecycle of suspicious activity monitoring, from initial alert through resolution and reporting. You will partner closely with engineering and business stakeholders to close gaps in detection logic and improve the accuracy of fraud models. Your work will directly support the company's mission by protecting the platform and enabling responsible growth in a technically sophisticated environment. You are expected to exercise sound judgment when evaluating complex scenarios and to communicate outcomes clearly to both technical and executive audiences. Success in this role is defined by your ability to maintain rigorous standards while operating in a fast moving, high impact setting.

Key facts

What you'll do

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.

Requirements

You must hold U.S. citizenship, U.S. lawful permanent residency, refugee status under 8 U.S.C. § 1157, asylee status under 8 U.S.C. § 1158, or be eligible to obtain the required authorizations from the U.S. Department of State.

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

Possess a working knowledge of BSA/AML regulations, OFAC sanctions, and related compliance frameworks.

Have hands on experience using transaction monitoring systems, case management platforms, and fraud detection tools.

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

Show excellence in written and verbal communication, including the capacity to draft clear investigative narratives and regulatory filings.

Act with integrity and professionalism when handling sensitive financial crime information and regulatory inquiries.

Consistently meet deadlines and manage multiple investigative priorities in a demanding environment.

Nice to have

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 such as account takeover, synthetic identity, payment fraud, and mule activity.

Practical notes

This role is not remote or hybrid; it is based on site at either the New York City office or the Palo Alto headquarters.

The engagement is full time.

Candidates must meet the ITAR eligibility requirements detailed in the key facts section.

Compensation details are provided as a base salary range, with additional elements such as equity and benefits described in the total rewards overview.

About SpaceXAI

SpaceXAI is hiring for Fraud Analyst. The listing location is New York, New York; Palo Alto, California.

This Fraud Analyst opening is posted for New York, New York; Palo Alto, California.