As a subject matter expert on card and financial regulations, you will provide strategic advice on risk and regulatory ambiguity. You will collaborate directly with stakeholders, including product, engineering, marketing, sales, and partnerships, to find creative solutions to business issues.

Responsibilities:

• Provide pragmatic, actionable advice on requirements and best practices for existing and new card and banking products and features
• Advise a variety of cross-functional stakeholders on critical regulatory questions
• Track and analyze financial US and international laws and regulations and help Brex stay ahead of trends
• Advise on product and marketing collateral, customer communications, and disclosures
• Draft, update, and maintain customer agreements, terms, and disclosures for card and banking related products

Requirements:

• 4+ years working experience in a combination of law firms and fintech companies, ideally interacting with bank partners, financial regulators, and card networks
• Familiarity with federal, state, and international laws and regulations that can apply to fintech companies, such as UDAP, anti-money laundering law, CARD Act, ACH rules, money transmission regulations
• Excellent written and verbal communication skills, both internal (memos, guides, presentations) and external (disclosures, regulator communications)
• Ownership mentality and comfort working on complex matters that require sound judgment
• Entrepreneurial mindset and ability to work in a fast-paced environment
• Law degree and admitted to practice in at least one jurisdiction
• Willingness to be a team player who pitches in to help out on other products and topics

Bonus Points:

• Prior in-house counsel experience at a scaling fintech or payments company
• Experience interacting directly with regulatory agencies

Compensation: The expected salary range for this role is $220,000-$270,000 USD. However, the starting base pay will depend on a number of factors, including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.

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About xAI

xAI's mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge.

ABOUT THE ROLE:

The Payments team is seeking an experienced BSA/AML Investigator to help detect, prevent, and report financial crimes.

RESPONSIBILITIES:

• Independently investigate and resolve complex alerts and cases from transaction monitoring systems, including in-depth analysis of payment flows and user behaviours.
• 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 optimising 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

BASIC 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.

COMPENSATION AND BENEFITS:

$125,000 - $150,000 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.

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Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly.

As a Product and Regulatory Counsel at Brex, you will help us grow, globally scale, and continuously improve our commercial card product, banking offerings, and adjacent payments product offerings. You'll be a subject matter expert on card and financial regulations, providing strategic advice on risk and regulatory ambiguity.

Responsibilities

• Provide pragmatic, actionable advice on requirements and best practices for existing and new card and banking products and features
• Advise a variety of cross-functional stakeholders on critical regulatory questions
• Track and analyze financial US and international laws and regulations and help Brex stay ahead of trends
• Advise on product and marketing collateral, customer communications, and disclosures
• Draft, update, and maintain customer agreements, terms, and disclosures for card and banking related products

Requirements

• 4+ years working experience in a combination of law firms and fintech companies, ideally interacting with bank partners, financial regulators, and card networks
• Familiarity with federal, state, and international laws and regulations that can apply to fintech companies, such as UDAP, anti-money laundering law, CARD Act, ACH rules, money transmission regulations
• Excellent written and verbal communication skills, both internal (memos, guides, presentations) and external (disclosures, regulator communications)
• Ownership mentality and comfort working on complex matters that require sound judgment
• Entrepreneurial mindset and ability to work in a fast-paced environment
• Law degree and admitted to practice in at least one jurisdiction
• Willingness to be a team player who pitches in to help out on other products and topics; one of our key tenets is “One Brex”

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