BSA Risk Specialist

ACNB Bank; Pennsylvania; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health, dental and vision coverage

401(k) with employer match

ESPP

Paid time off and 12 holidays

Career growth and training

Job summary

ACNB Bank is seeking a detail-oriented Risk Management professional to strengthen BSA/AML and OFAC compliance programs. You will investigate unusual activity, review transactions, and collaborate across Risk Management to ensure regulatory filings are completed accurately and on time.

The role requires a degree in a related field, with experience in BSA/AML compliance and strong analytical and communication skills.

Qualifications

• Associate's or Bachelor's degree in a related field.
• BSA/AML compliance experience; branch banking helpful.
• Certification preferred.
• Strong understanding of BSA, AML, OFAC, CDD, and CIP regulations.
• Experience reviewing transactions and investigating unusual activity.
• Excellent written and verbal communication; attention to detail.
• Proficiency with MS Office, especially Excel.

Responsibilities

• Investigate BSA/AML system alerts, suspicious transactions, international wire activity, and high-risk relationships with thorough documentation.
• Ensure CTRs, SARs, OFAC reviews, and other regulatory filings are accurate and timely.
• Strengthen CDD, EDD, CIP, and Beneficial Ownership processes through review and risk analysis.
• Serve as a resource for business units on suspicious activity and regulatory requirements.
• Monitor evolving BSA/AML regulations and help maintain strong compliance practices.
• Collaborate with Risk Management and other departments to ensure timely information flow.
• Support special projects and enterprise risk initiatives.

Skills

BSA/AML compliance

Investigations

Analytical thinking

Documentation

Communication

Education

Associate's or Bachelor's degree

Tools

Excel

Job description

Help Protect Our Customers, Our Communities, and Our Bank

At ACNB Bank, Risk Management isn't just about regulatory compliance—it's about protecting the trust our customers place in us every day. We're looking for an analytical, detail-oriented professional who enjoys solving complex problems, investigating unusual activity, and partnering with teams across the Bank to strengthen our BSA/AML and OFAC compliance programs.

If you're someone who enjoys connecting the dots, asking the right questions, and making sound, risk-based decisions, this is an opportunity to build a meaningful career with a financially strong, relationship-focused community bank.

What You Bring to the Table

• Associate's or Bachelor's degree in Business, Finance, Criminal Justice, Accounting, or another related field preferred.
• Specialized education or experience in BSA/AML compliance, branch banking experience helpful.
• Related certification preferred.
• Strong understanding of BSA, AML, OFAC, Customer Due Diligence, and related banking regulations.
• Experience reviewing transactions, identifying unusual activity, and conducting investigations using sound judgment.
• Strong analytical, critical thinking, and problem-solving skills with exceptional attention to detail.
• Excellent written and verbal communication skills with the ability to clearly document findings and explain regulatory requirements.
• Working knowledge of banking operations and proficiency with MS Office applications, particularly Excel.

What You'll Accomplish

• Investigating BSA/AML system alerts, suspicious transactions, international wire activity, and high-risk customer relationships, documenting thorough investigations and escalating potential reportable activity when appropriate.
• Ensuring Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), OFAC reviews, and other regulatory filings are completed accurately and within required timeframes.
• Strengthening the Bank's Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Customer Identification Program (CIP), and Beneficial Ownership processes through thoughtful review, monitoring, and risk analysis.
• Serving as a knowledgeable resource for business units by providing guidance on suspicious activity, OFAC, CTRs, CIP, CDD, and other BSA/AML compliance requirements.
• Monitoring evolving BSA, AML, and OFAC regulations while helping the Bank maintain strong compliance practices and proactively adapt to regulatory changes.
• Collaborating with teammates across Risk Management and other departments to ensure information flows efficiently and compliance responsibilities are completed accurately.
• Supporting special projects and broader enterprise risk initiatives that strengthen the Bank's overall risk management program.

Why You’ll Love this Role

• Make a meaningful impact by helping protect customers and the Bank from financial crime.
• Join a collaborative Risk Management team where your expertise and judgment are valued.
• Continue building your compliance career through ongoing professional development and certification opportunities.
• Work for one of the region's strongest community banks, known for its stability, integrity, and commitment to its employees.
• Comprehensive Compensation & Benefits Package: Includes health, dental, and vision coverage, 401(k) with employer match, ESPP, generous paid time off and 12 holidays, career growth and training opportunities – all within a supportive, relationship-focused team environment.

If you’re ready to use your investigative mindset to make a real difference while growing your career in Risk Management, we’d love to meet you!