BSA/AML Investigator — SARs, KYC & Risk Analysis

BCB Community Bank; Bayonne (NJ); Vor Ort; USD 65.000 - 75.000; Vollzeit

Zusammenfassung

BCB Community Bank in Bayonne, NJ is seeking a BSA Analyst to identify, investigate, and mitigate high-risk customer relationships and transactions to ensure full AML/KYC compliance. The role involves deep-dive investigations, SAR/CTR filings, and maintaining detailed records for regulatory exams.

The analyst will review KYC/CDD docs, validate risk ratings, and ensure OFAC and PATRIOT Act compliance while collaborating with teams across the bank. Requires travel to branches as needed.

Qualifikationen

• Strong understanding of the Bank Secrecy Act (BSA), PATRIOT Act, AML regulations, and OFAC requirements.
• Strong knowledge of fraud schemes impacting community banks (check fraud, ACH/wire fraud, account takeover, loan fraud, elder fraud, etc.).
• Excellent analytical, investigative, and communication skills.
• Excellent interpersonal skills: including use of professional and clear verbal communication and writing skills.

Aufgaben

• Analyze system-generated alerts for suspicious activity, such as structuring, money laundering, unusual wire transfers, or rapid movement of funds.
• Review Know Your Customer (KYC) and Customer Due Diligence (CDD) documentation for accuracy, ensuring beneficial ownership information is current.
• Review and validate risk ratings for new and existing high-risk customers.
• Prepare, draft, and submit Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) to FinCEN.
• Maintain detailed, accurate records of all investigations to satisfy regulatory exams and internal audits.
• Ensure organizational compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC sanctions.
• Manage complaints and alerts, ensuring all reports for regulatory authorities adhere strictly to AML laws.

Kenntnisse

Analytical thinking

Investigative skills

Communication skills

Interpersonal skills

Ausbildung

AML/BSA compliance knowledge

Jobbeschreibung

BCB Community Bank in Bayonne, NJ is seeking a BSA Analyst to identify, investigate, and mitigate high-risk customer relationships and transactions to ensure full AML/KYC compliance. The role involves deep-dive investigations, SAR/CTR filings, and maintaining detailed records for regulatory exams.

The analyst will review KYC/CDD docs, validate risk ratings, and ensure OFAC and PATRIOT Act compliance while collaborating with teams across the bank. Requires travel to branches as needed.