Senior AML Investigator

Overview

Innovate with purpose. At BILL, we empower the businesses that drive our economy by replacing outdated financial processes with innovative tools. We help businesses—from startups to established brands—make smarter decisions and gain control of their operations. We’re creating the future of financial automation so businesses can spend more time on what matters. Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions.

BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks. We value purpose, drive, and curiosity and thrive in a fast-paced, changing environment. Our offices are in San Jose, CA, Draper, UT, or remote options are available.

BILL builds high-performing teams and we seek to hire the best talent for every role. We’re committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—whether in this role or another.

Make Your Impact Within a Rapidly Growing Fintech Company.

• Complex Case Management:
  Investigate sophisticated customer activity across the BILL payment platform, identifying patterns of layering, shell company usage, or Trade-Based Money Laundering (TBML).
• Transaction Monitoring:
  Manage and disposition alerts with a high degree of accuracy, prioritizing the most critical risks to the financial system.
• Enhanced Due Diligence (EDD):
  Perform periodic reviews and event-driven EDD on high-risk customers.
• Advanced Research:
  Utilize professional tools and open-source intelligence to verify corporate structures and Ultimate Beneficial Owners (UBOs).
• Ad Hoc Projects:
  Lead special investigations and compliance projects related to new product launches or evolving regulatory requirements.

• Education:
  
  BA/BS degree; JD or advanced degree in a related field is a plus.
• Experience:
  
  5–7+ years of dedicated AML compliance experience within a financial services organization or Fintech.
• Technical
  
  Skills:
  
  Expert-level proficiency in internet research and professional tools like Lexis Nexis or similar risk databases.
• Domain Expertise:
  Proven track record in conducting complex investigations involving OFAC, AML, Fraud, and global payment rails.
• Certifications:
  
  CAMS, CFE, or CFCS certification is highly preferred.
• Regulatory Knowledge:
  Deep understanding of the Bank Secrecy Act (BSA) and USA PATRIOT Act.
• Analytical Rigor:
  Ability to connect the dots across complex datasets to identify sophisticated financial crime patterns.
• Advanced Narrative Writing:
  Skill in drafting clear, concise, and technically sound investigation summaries and SARs.
• Operational Autonomy: A self-starter who can manage a high-volume caseload and meet strict regulatory deadlines with minimal supervision.
• Collaborative Influence: A team player who builds strong relationships with Risk, Product, and Legal stakeholders.
• Intellectual Curiosity: A fast learner who stays ahead of evolving Fintech products and emerging criminal typologies.

Visa Sponsorship:
Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.

Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed below. The role is also eligible for a competitive benefits package that includes medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.

The estimated salary ranges noted below apply to specific geographic zones.

• Zone 1
  - San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County
  $99,800—$124,800 USD
• Zone 2- CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts
  $89,900—$112,300 USD
• Zone 3
  -Utah (includes Utah office), Houston TX, Florida, North Carolina
  $84,900—$106,100 USD

Redefining…