Senior AML InvestigatorNew

Innovate with purpose At BILL, we believe in empowering 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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: 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. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or working remotely, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks. 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—you might be just what we’re looking for, whether in this role or another. ✨ Let’s give businesses more time for what matters. Make your impact within a rapidly growing Fintech Company The Compliance department is a mission-critical, high-integrity team that serves as the primary line of defense against financial crime and regulatory risk on the BILL payment platform. Working collaboratively with Risk Strategy, Operations, and Legal, the team employs an innovative, data-driven approach to move beyond "check-the-box" compliance in a remote-first environment. As a Senior AML Investigator reporting to the Senior Manager of AML Compliance, you will take strategic ownership of high-complexity investigations into potential money laundering, terrorist financing, and fraud. You will serve as a subject matter expert, directly influencing BILL’s regulatory standing by ensuring high-quality research and accurate filing of Suspicious Activity Reports (SARs), with opportunities for mentorship and optimizing the compliance lifecycle. • 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. We’d love to chat if you have: • 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 LexisNexis 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 roles in the 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 What’s in it for you? Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well. Here is a preview of some of the amazing benefits here at BILL: • 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP) • HSA & FSA accounts • Life Insurance, Long & Short-term disability coverage • Employee Assistance Program (EAP) • 11+ Observed holidays and wellness days and flexible time off • Employee Stock Purchase Program with employee discounts • Wellness & Fitness initiatives • Employee recognition and referral programs • And much more Don’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages. BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture. We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact [email protected]. Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants. Apply tot his job