Senior BSA Compliance Analyst

4 weeks ago

Santa Rosa, California, United States Poppy Bank Full time

Job Summary:

The Senior BSA Compliance Analyst will be responsible for ensuring the Bank's compliance with the Bank Secrecy Act and USA Patriot Act. This includes identifying and reporting suspicious transactions, conducting quality control reviews, and monitoring compliance with industry standards and regulatory guidance.

Key Responsibilities:

  • Conduct in-depth due diligence reviews and prepare comprehensive reports on high-risk customers to assess and mitigate BSA/AML risk
  • Gather documents and analyze the risks associated with complex ownership structures, evaluating variables such as source of funds, anticipated activity volumes, and purpose of business relationships
  • Validate and document customer risk designations or mitigating factors to establish periodic EDD review schedules
  • Independently perform reviews of various reports and transaction data, analyzing complex activity to determine if transactions are suspicious in nature
  • Perform quality control reviews of AML/BSA/Fraud functions, including case investigations, Suspicious Activity Reports (SARs), BSA/Fraud alerts, customer risk reviews, Currency Transactions Reporting (CTR), to determine if reviews and research were conducted in accordance with quality standards and time frames set forth within established procedures, policies, and regulatory requirements
  • Evaluate and adjust scoring of AML software to provide the most value to the BSA/Fraud program in accordance with established risk tolerance
  • Assist in transaction testing, data validation, and ongoing customization of the AML software
  • Proactively monitor, measure, analyze, execute, track, and report on data quality issues
  • Perform root cause analysis of identified data quality issues, tracing data upstream and providing solutions
  • Investigate escalated alerts of potential suspicious activity produced or referred by other areas of the bank and determine appropriate courses of action
  • Exercise solid judgment on examining information and document suspicious activity, behaviors, and/or patterns
  • Ensure Watch List information is properly maintained and updated, review and respond to concerns about OFAC, SDN, or other Watch List alerts, and take mandated action as necessary
  • Disseminate information, answer questions, and be a subject matter expert on BSA/AML/OFAC/Fraud-related issues
  • Contribute to the development and implementation of Fraud Risk processes, tools, policies, standards, and procedures in alignment with the BSA/AML Program
  • Keep abreast of Fraud, BSA, and AML-related regulations for changing compliance and recommend business process improvements
  • Mentor and work with other less experienced staff in developing additional assets within the team
  • Review and analyze new and pending laws and regulations, develop or revise appropriate policies, procedures, and disclosure agreements to ensure compliance
  • Assist with regulatory examinations and audits, including gathering requested information, developing, and coordinating responses to such reviews as necessary
  • Assist in ad-hoc special projects as necessary
  • Attend various seminars, webinars, and other outside compliance training
  • Minimum of 10 hours CRA volunteer hours per year

Requirements:

  • Advanced understanding of banking and fraud threats posed by money laundering activities
  • Combination of training and experience that would provide the knowledge and abilities listed above, including specific knowledge of State and Federal laws and regulations pertaining to financial institutions (i.e., BSA, AML, OFAC, USA Patriot Act)
  • Minimum of 5 years BSA and Fraud experience, with experience in depository financial institution processes and procedures or similar experience preferred
  • Solid understanding of banking and fraud threats posed by Money Laundering activities
  • Have a strategic and entrepreneurial mindset with an ability to identify emerging compliance trends and risks, ensuring we stay ahead of the curve
  • Excellent verbal and written communication skills, with the ability to break down complex requirements into easy-to-understand and practical systems
  • Proficiency with computer programs, including fraud identification and AML software
  • Organize workflow efficiently, self-direct personal training needs, and utilize available resources
  • Perform financial analysis, draw logical conclusions, and make recommendations when needed
  • Sound analytical, evaluation, communication, and interpersonal skills
  • Ability to distinguish and manage confidential information, materials, and conversations
  • Establish and maintain effective working relationships with employees from other departments
  • Ability to work scheduled full-time hours and maintain regular attendance
  • Ability to multi-task in a fast-paced environment

Physical/Mental Demands & Work Environment:

The incumbent in the course of performing this position frequently spends time writing, typing, speaking, listening, operating basic business equipment, seeing (such as close, color, and peripheral vision, depth perception, and adjusted focus), sitting, walking, standing, reading documents or instruments, detailed work, problem-solving, client contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

The incumbent for this position will occasionally lift up to 15 pounds, pull, squat, kneel, and reach. The incumbent is in a non-confined office-type setting in which they are free to move about at will. The work environment is typically quiet to a moderate noise level.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Management reserves the right to change this position description at any time.

Poppy Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

For San Francisco Postings, review Fair Chance Ordinance.

Poppy Bank Notice to Applicants CCPA & CPRA

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