BSA & AML Compliance Analyst

Celtic Bank; Salt Lake City (UT); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k) with employer match

Life and long-term disability coverage

HSA and FSA plans

Holidays and PTO

Wellness program

Job summary

Celtic Bank Corp. is seeking a Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Analyst to join our Compliance Team in Salt Lake City. You will perform customer and enhanced due diligence reviews, analyze transaction activity, investigate alerts, and write Suspicious Activity Reports (SARs).

You will report to the BSA Manager and support regulatory compliance efforts. Responsibilities include AML investigations, log scrubs for FinCEN and OFAC, and collaboration with partners to mitigate risk.

Qualifications

• Bachelor's degree in Intelligence Studies, Criminal Justice, Political Science, Law or related field required or if no degree, 2+ years of AML/BSA experience including intelligence and investigative analysis or other compliance related experience required.
• Financial crime investigation experience or equivalent educational or job related experience preferred.
• Must have a basic working knowledge of AML/BSA regulatory compliance processes and procedures.
• Must have the ability to identify unusual patterns/trends.

Responsibilities

• Investigate potential unusual activity, money laundering, fraud, or terrorist financing incidents.
• Prepare and complete required forms for regulatory filing according to FinCEN guidelines.
• Provide oversight in relation to 314(a) scrubs and ensure logs are completed and results logged.
• Provide oversight of OFAC scrubs and ensure logs are conducted and results logged.
• Review BSA related documentation from the partners to identify potential risks.
• Conduct AML Investigations, including customer and account level research on a wide variety of data.
• Contribute to projects to improve and optimize the Bank's BSA/AML program.
• Collaborate with BSA Officer and/or departments and Partners as needed.
• Perform other duties as assigned.

Skills

AML/BSA knowledge

Investigation

Analytical thinking

Writing skills

Communication

Excel

Word

Education

Bachelor's degree in related field

Tools

AML platforms

Job description

Celtic Bank's Compliance Team's mission is to ensure the safety and soundness of the Bank while maintaining a healthy, compliant customer base and we are looking to hire a Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Analyst to join our team! In this role, you will perform customer and enhanced due diligence account reviews and conduct daily operational tasks associated with meeting internal standards and regulatory requirements. These duties include reviewing accounts for potential suspicious activity, conducting investigations on alerts, analyzing transaction activity and trends, and writing Suspicious Activity Reports (SARs). You will report to the BSA Manager. Below is a list of tasks you may experience, but not limited to, within the role:

Primary Job Functions:

• Investigate potential unusual activity, money laundering, fraud, or terrorist financing incidents.
• Prepare and complete required forms (as needed) for regulatory filing according to Financial Crime Enforcement Network (FinCEN) guidelines.
• Provide oversight in relation to Bank and Strategic Partnership 314(a) scrubs. Ensure that scrubs are completed and log results.
• Provide oversight of Bank and Strategic Partnership OFAC scrubs. Ensure that scrubs are conducted and log results.
• Review BSA related documentation from the partners to identify potential risks
• Understands and stays current on the Red Flags and industry trends related to AML.
• Conducts AML Investigations, including customer and account level research on a wide variety of data, to detect and determine suspicious and/or illegal activity.
• Contribute to projects to improve and optimize the Bank's BSA/AML program
• Collaborate with BSA Officer and/or departments and Partners as needed.
• Perform other duties as assigned.

• Bachelor's degree in Intelligence Studies, Criminal Justice, Political Science, Law or a related field required or if no degree, 2+ years of AML/BSA experience including intelligence and investigative analysis or other compliance related experience required.
• Financial crime investigation experience or equivalent educational or job related experience preferred.
• Must have a basic working knowledge of AML/BSA regulatory compliance processes and procedures.
• Must have the ability to identify unusual patterns/trends.
• Must have solid organizational, communication, and customer service skills.
• Must have the ability to meet deadlines, work independently and adapt to changing priorities.
• Must have good follow through, attention to detail and documentation skills.
• Must have solid research, analytical and problem-solving skills.
• Must have good writing skills and be able to translate complex situations into easily understood narratives.
• Must have ability to be an independent thinker and to defend one's own work.
• Must have the ability to handle delicate and/or sensitive situations.
• Strong PC skills desired with an emphasis in MS Excel and Word, use of AML platforms is a plus.
• Working knowledge of bank operations preferred.

• Medical, dental, vision
• 401(k) with employer match
• Life and long-term disability coverage
• HSA and FSA plans
• Holidays and paid time off requests
• Robust wellness program (we’re talking catered meals three times a week, lunch and learns, and onsite gym!)

Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2025!

Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans.

Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws.

Physical and Other Requirements

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

• Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects.
• Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc.
• Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English.
• Work Model: The employee in this position will work either a fully Onsite, or Hybrid work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions.
• Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office – department and job requirements will determine eligibility.