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Job Summary:

Actively participate in and foster the Bank’s Culture of excellence while supporting the Bank’s strategic initiatives.

The BSA Analyst assists the BSA Officer and BSA Manager in ensuring superior compliance with all applicable laws and regulations related to the Bank Secrecy Act/Anti-Money Laundering (BSA/AML). This is achieved through comprehensive training, extensive monitoring, recordkeeping, and reporting. The position may assist in key BSA/AML functions including Customer Due Diligence (CDD), Beneficial Ownership (BO), Office of Foreign Assets Control (OFAC) compliance, and Suspicious Activity Reporting.

Consistently and effectively manage behavior within the Bank’s established customer service standards and core values while adhering to all established Bank Policy and procedures. 

Job Functions:

• Commit to and live by a no excuses environment whereby all employees are held 100% accountable for behaviors, actions, performance and attitudes 
• Adhere to all bank policies and procedures
• Assist with:
  • The Bank’s overall compliance with the Bank Secrecy Act, OFAC, and all related regulations including the USA Patriot Act
  • Maintaining a BSA/OFAC Risk Profile and maintaining and updating BSA related policies and procedures
  • Identifying all activity that needs to be reported on a Currency Transaction Report (CTR) and ensuring timely and accurate filing of the CTRs
  • Maintaining a list of customers exempt from CTR filing along with appropriate documentation to support the status
  • Maintaining appropriate records as required by the BSA including negotiable instrument logs and wire and funds transfer logs
  • Maintaining a list of higher-risk customers and performing enhanced due diligence and monitoring as appropriate
  • Monitoring and advising on suspicious activity
  • Ensuring that OFAC scans are completed as necessary, including downloads of the bi-weekly 314(a) lists as well as any special 314(a) requests to be run against the OFAC list
  • Providing on-going training appropriate to each employee’s job responsibilities
• Complete account monitoring for all new business transaction accounts opened
• Quality control of Certification Regarding Beneficial Owners of Legal Entities, both retail deposit accounts and commercial loans
• Act as liaison with internal auditors as well as regulatory examiners for BSA related audits and examinations
• Support the BSA Officer and BSA Manager with the execution of strategic initiatives and goals to maintain, strengthen and mitigate risks
• Adhere to telephone and communication standards when interacting with customers to attract business
• Perform additional duties as requested 

Job Requirements:

Must possess:

• The ability to read, write and speak fluently in the English language
• Strong customer service skills with both internal and external customers
• Excellent verbal and written communication skills
• General math skills: adding, subtracting, multiplying and dividing
• Ability to work a flexible schedule and travel to other locations as needed
• Handle conflict resolutions in a professional manner
• Skills and knowledge:  
  • Maintain a thorough understanding of BSA, USA Patriot Act, FinCEN guidelines, and OFAC regulations
  • Handle highly confidential information
  • Strong analytic, research and investigative skills
  • Ability to function both independently and within a collaborative team environment
  • Strong prioritization, time management, and multitasking skills
  • Computer skills including the use of Microsoft Office products
  • Understanding of Bank products, services, and transaction processing channels
• High school diploma or GED equivalent
• Associate’s degree or higher in business, finance or related study preferred but may be reasonably supplemented with relevant banking, risk management, or compliance experience
• Previous banking experience preferred 

Supervisory Scope: N/A

 Education and Experience:

•  High school diploma or GED equivalent
• Associate’s degree or higher in business, finance or related study preferred but may be reasonably supplemented with relevant banking, risk management, or compliance experience
• Previous banking experience preferred 

Physical Demands:

Employees will have the following physical demands:

• Required to sit & stand and move throughout the location/branch
• Required to climb & stoop: reach with hands & arms
• Occasionally lift & move up to 25 pounds
• Efficient computer and typing skills
• Vision abilities required: close, distance & peripheral
• Reading of written, printed or computer screen data
• Able to transport self, in a timely manner, to and from meetings, conferences & events

 Human Relations/Emotional/Mental Demands:

Contact with existing/potential customers and employees through telephones, correspondence or interact with in all areas. Confidentiality of potential and existing client and employee information requires professionalism, discretion, and diplomacy.