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BSA/AML Investigations Analyst
2 months ago
Mechanics Bank is seeking a highly skilled BSA/AML Investigations Analyst to join our team. As a key member of our financial crime prevention team, you will play a critical role in identifying and mitigating potential financial crimes.
Key Responsibilities- Conduct thorough reviews and analyses of customer and account activity to identify potential money laundering or terrorist financing activities.
- Apply critical thinking skills and expertise to provide comprehensive and well-organized investigative narratives justifying the decision to forward cases to the Investigations Team or to file a Suspicious Activity Report (SAR).
- Utilize bank systems and external resources, such as Lexis-Nexis and Pacer, to validate identities, research individual backgrounds, and obtain information on transactional counterparties.
- Develop and maintain professional relationships with business partners to enhance the ability to obtain customer information critical to making determinations on customer risk to the bank.
- Maintain discipline in consistently following current processes, procedures, and policies to ensure compliance with applicable regulatory requirements.
- Interact with federal, state, and local law enforcement agencies to receive and provide critical investigative and case elements.
- Continuously learn and develop new skills to enhance investigative techniques and provide additional bench strength for the team.
- High school diploma or equivalent with 2 years of banking or other financial services experience preferred.
- 0-3 years of experience from a financial institution is highly preferred.
- Develop a thorough knowledge of anti-money laundering regulatory requirements, including the Bank Secrecy Act, Office of Foreign Asset Control, and USA PATRIOT Act.
- Obtain and maintain proficiency with bank and FIU applications, including Surveillance Monitoring, Investigations, and Case Management platforms.
- Exposure to platform implementation, enhancement, and testing environment a plus.
- Develop investigative skills in analysis of transactional activity indicative of unusual cash structuring, ACH-related transactions, wire alerts, loan activity, and activity unrelated to stated business purposes.
- Investigate a cross-section of the entire relationship to support and provide an overall evaluation of the risk the customer presents to the bank.
- Learn to provide comprehensive narratives to cases involving National Security Letters, Law Enforcement or Judiciary Requests, External Media cases, 314(a) positive matches, Internal referrals, 314(b) requests, EDD referrals, International wires to/from bank in designated High Risk Country, OFAC Sanctions screening alerts, and at the discretion of the Investigations manager.
- Review previous alerts, No SARs, and SARs.
- Utilize Senior Investigators and management as resources in recognizing what is expected or normal activity and identifying significant factors of risk.
- With approval from Manager, recommend referrals to Fraud/EDD.
- Be attentive to recommended corrections or changes made to your report and learn from those observations.
- May assist with more complex investigations that are generally non-system generated (e.g., subpoenas, higher risk reviews, 314(a/b)).
- Where warranted and supported with appropriate documentation, recommend exiting the relationship and closure of the account.
- FFIEC BSA/AML Investigations Manual
- Enhanced Due Diligence, Customer Due Diligence, and Customer Risk Rating
- Information Sharing
- Government Reporting
- Applying Risk-based Analysis and Reporting Methodologies
- Understanding of BSA/AML Compliance and Risk Best Practices
- Competitive hourly rate of $25-33
- Final compensation package will be determined by work experience, education, and/or skill level of the applicant, along with internal equity and alignment with geographic market data.
Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation, or other bases prohibited by applicable law.
