AML/CFT Officer

Centier Bank; Merrillville (IN); On-site; USD 120,000 - 180,000; Full time

Job summary

Centier Bank seeks an experienced AML/CFT Compliance leader to manage and enhance the bank's AML/CFT and OFAC/Sanctions programs.

You will oversee risk assessments, SAR processes, and regulatory examinations, while developing enhanced due diligence for high‑risk clients and training the board. A candidate with CAMS and extensive experience in a large financial institution is preferred.

Qualifications

• Bachelor's degree required.
• 10+ years AML/CFT compliance experience at a multi‑billion‑dollar institution.
• 5+ years of management experience.
• CAMS certification preferred.

Responsibilities

• Maintain and manage a strong AML/CFT program.
• Ensure unit compliance with AML/CFT/OFAC/Sanctions policies.
• Develop red flag reports and coordinate SAR filings.
• Oversee regulatory exams and board training on AML/CFT.
• Lead customer due diligence and enhanced due diligence strategies.
• Train Board of Directors on AML/CFT annually.

Skills

AML/CFT compliance

Management

Detail oriented

Communication

Education

Bachelor's degree

CAMS certification

Tools

Microsoft Word

Microsoft Excel

Verafin AML/CFT software

Job description

Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company's achievement as well.

A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self‑motivated and driven to deliver exceptional results.

Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun… who wouldn’t want to work for an award‑winning company that’s built on these pillars?

We offer access to Marathon Health Clinics with free visits and prescriptions, generous paid time off, tuition reimbursement, 401(k) match, Associate Stock Ownership Plan, daycare reimbursement, free onsite fitness center, health and wellness programs, a Voice with our Diversity, Equity & Inclusion Council, career growth, work/life balance and more.

Supervisory Responsibilities

This position supervises the AML/CFT function and recruits, trains, and hires experts in AML/CFT, OFAC/Sanctions, and USA Patriot Act Compliance.

Summary

Manage Centier’s AML/CFT Compliance and OFAC/Sanctions Compliance, including annual board training and reporting, managing the bank’s AML/CFT risk assessment, assisting the bank during regulatory exams, and managing SARs and system red flags.

Essential Duties and Responsibilities

• Maintain and manage a strong and effective AML/CFT program
• Ensure that business units are in compliance with all AML/CFT/OFAC/Sanctions policies and procedures
• Leverage technology to create red flag reports that enable the bank to identify suspicious activity for AML compliance purposes
• Manage recommendations and filing of SARs as appropriate within the regulatory period
• Maintain knowledge of USA Patriot Act, AML/CFT rules, OFAC/Sanctions requirements, US Treasury and FinCEN reporting requirements
• Ensure new products and initiatives of the bank meet AML/CFT regulatory expectations
• Manage reporting processes including SAR and CTR filings and OFAC/Sanctions inquiries
• Oversee testing and assurance of an effective Customer Identification Program, CDD and EDD
• Manage the customer due diligence process and ensure an effective customer risk rating process; develop enhanced due diligence strategies for high‑risk customers and coordinate account closure recommendations
• Annually train the Board of Directors on AML/CFT Compliance
• Ensure all employees are trained on AML/CFT and OFAC/Sanctions annually
• Work effectively with regulators during exams related to AML/CFT matters
• Other duties as assigned

Knowledge, Skills, and Abilities

• Focus, attention to detail, and problem‑solving skills
• A demonstrable history of good management, career development, and coaching skills
• Ability to delegate appropriately and decide effectively
• Proficiency in Microsoft Word and Excel
• Excellent interpersonal, oral, and written communication skills
• Excellent decision‑making ability
• Strong organizational skills
• Ability to handle confidential information professionally
• Adaptability and flexibility when responding to deadlines and workflow fluctuations
• Ability to manage and conduct logical investigations
• Ability to work effectively in a multi‑task, high‑volume environment
• Self‑motivated and results oriented
• Solid understanding of banking or financial business operations and systems

Minimum Qualifications

• College degree required
• 10+ years of AML/CFT Compliance experience at a multi‑billion‑dollar institution
• 5+ years of management experience
• CAMS certification preferred
• Proficiency with AML/CFT automated software systems and experience with Verafin AML/CFT/AM software preferred

What do I do now?

• Apply with us!
• Refer this opening to others!

Disability Accommodation Statement

Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at 219‑755‑6160 or send us an email at [e-mail].

Equal Opportunity Employer/Disability/Veteran

Centier Bank is proud to have an engaged and inclusive culture and promotes and ensures equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

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