BSA/AML Investigator

Capitol Federal Financial, Inc.; Topeka, Northern (KS, KY); Hybrid; USD 62,000 - 88,000; Full time

Benefits offered by this job

Medical, dental, life, disability保险

Retirement and savings plans

Flexible Spending Accounts

Paid time off and holidays

Parental leave

Employee Assistance Program

Professional development and career成长

Job summary

Capitol Federal Savings Bank is seeking a BSA/AML Investigator to analyze alerts across multiple business lines and perform enhanced due diligence on high-risk customers. The role emphasizes strong analytical skills and accurate documentation of findings.

You will prepare suspicious activity reports and currency transaction reports, participate in ongoing monitoring, and stay current on BSA/AML trends and regulations as part of a collaborative compliance team.

Qualifications

• High school diploma or equivalent required.
• Certifications in CAFP/CAMS/CFE or similar preferred.
• Experience with Verafin is a plus.

Responsibilities

• Investigate transactions and alerts across business lines for BSA/AML red flags.
• Conduct customer risk analyses and enhanced due diligence reviews.
• Prepare SARs, CTRs, and other regulatory reports.
• Maintain documentation and monitor high-risk accounts and activity.

Skills

Analytical skills

Organizational skills

BSA/Patriot Act knowledge

Advanced Excel

Education

High school diploma or equivalent

CAFP, CAMS, CFE or similar certifications

Tools

Verafin Financial Crime Management Platform

Job description

## **Job Title:** BSA/AML Investigator**Location:** Topeka, KS/Wichita, KS**Employment Type:** Full-Time**About Capitol Federal**At Capitol Federal Savings Bank, we're committed to helping individuals, families, and communities achieve financial success. Our employees are at the heart of everything we do, and we strive to create an environment where team members can grow, contribute, and build rewarding careers.**Position Summary**The BSA/AML Investigator is responsible for investigating transactions and account alerts across all business lines for potential Bank Secrecy Act/Anti Money Laundering (BSA/AML) red flags. This position requires strong analytical/research skills for conducting customer risk analysis, behavior reviews and account monitoring of high-risk customers. This role is responsible for investigating complex suspicious activity cases to ensure that potentially suspicious transactions are appropriately identified within the specified timeframes. The position focuses on enhanced due diligence (EDD) relating to BSA/AML risks involving customers and products. Ability to grasp complex processes quickly and identify risks while applying critical thinking and risk-based analysis skills. Ensures compliance with the Bank Secrecy Act/Anti-Money Laundering (BSA/AML), Office of Foreign Assets Control (OFAC), USA Patriot Act and related laws and regulation.**Key Responsibilities*** Maintains a case workload to conduct ongoing monitoring and investigations of high risk accounts and transaction activity through analysis of EDD, transactional data, historical data, internal and external searches in accordance with leading practices and bank's policy and procedures. Supports departmental quality standards and workload.* Investigates transaction and customer alerts, reports and referrals for unconventional customer behavior to identify potentially suspicious financial activity to include money laundering, terrorist financing, fraud and/or other financial risks or crimes. Makes risk-based recommendations on appropriate actions to be taken to maintain compliance with BSA/AML regulatory reporting requirements.* Use strong written communication skills to create detailed documentation of reviews of suspicious activity and/or customer risk analysis to make appropriate recommendations, such as SAR filing or ongoing monitoring.* Work with departments and branches to collect and update account records related to enhanced due diligence. Review risk parameters in Fraud/AML software and research account records to ensure accuracy.* Prepare suspicious activity reports (SAR) for filing with regulatory agencies. Prepares currency transaction reports (CTR) and monitors cash sales of monetary instruments.* Maintain current knowledge of BSA/AML trends and guidelines. Review guidance and regulatory advisories to stay abreast of industry changes and trends.* Perform other duties as assigned.* Participate in proactive team efforts to achieve departmental and company goals.* Must comply with current applicable laws, regulations and bank policies and procedures. Comply with all safety policies, practices and procedures. Report all unsafe activities to supervisor and/or Human Resources. **Qualifications Required*** A high school degree or equivalent.* CAFP, CAMS, CFE or similar preferred. **Skills*** Excellent analytical and organizational skills. Knowledge of BSA and USA Patriot Act requirements. Advanced Excel required.* Experience with Verafin Financial Crime Management Platform preferred.* A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance. **Why Join Capitol Federal?**Capitol Federal offers a collaborative culture, opportunities for professional development, and a competitive benefits package that may include:* Medical, dental, life, and disability insurance* Retirement and savings plans* Flexible Spending Accounts* Paid time off and holidays* Parental leave* Employee Assistance Program* Professional development and career growth opportunities