Corporate AML/CFT EDD (Enhanced Due Diligence) Analyst

Foothills Bank; Northern (KY); Hybrid; USD 34,000 - 39,000; Full time

Job summary

Glacier Bancorp, Inc. is seeking a BSA/AML Investigator to monitor high-risk customers and prepare QARs. You will document findings, update review modules, and ensure compliance with Bank Secrecy Act and related regulations. This corporate role may be located across nine-state footprint with travel as needed.

The role requires 3 years of banking experience, 1 year of investigation experience, and strong Excel skills for data analysis. A strong work ethic and reliable attendance are essential.

Qualifications

• Required: Associate degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology or related field.
• Preferred: Bachelor’s degree in related fields.
• Three years banking experience in ops, compliance, audit, lending or related function.
• One year investigation experience in law enforcement, security, fraud, or AML.
• Knowledge of BSA/AML regulations and red flags.

Responsibilities

• Investigate and disposition HRCRs per supervisor, meet targets set by the CDD Supervising BSA Officer.
• Prepare QARs and document findings; communicate with divisions and team.
• Attend training and BSA team meetings; comply with laws and bank policies.

Skills

Trustworthy

Communication

Team player

Organized

Research skills

Learning agility

Backup support

Attendance reliability

Education

Associate Degree

Bachelor's degree preferred

Tools

Excel

Job description

About The Role

The BSA/AML Investigator reports to the Corporate EDD Supervisor and is responsible for the monitoring and investigation of High Risk Customers (HRC) within the BSA/AML/CFT Department in accordance with the Bank’s policies and procedures to determine if further action may be necessary. The BSA/AML Investigator will also prepare Questionable Activity Referrals (QARs) based on the findings from their assigned HRC investigations. The BSA/AML Investigator will document findings in the HRCR review folder, update the DDM review module, and complete the review in accordance with the Bank’s policies and procedures.

This is a Corporate position which may be located in an available bank division across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY.

The entry rate for this position is $24.99 + /hour (calculated for Kalispell, MT). All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

WA Applicants ONLY

Spokane, WA range $27.91 to $41.86 an hour. Wenatchee, WA range $28.30 to $42.44.97 an hour.

Description

• Investigates and dispositions HRCRs as assigned by their supervisor in accordance with the BSA Departmental Procedures. Performs case investigations and meets assigned target goals as determined and set by the CDD Supervising BSA Officer. Researches and forms initial determinations regarding additional actions to be taken, such as completing Questionable Activity Referrals (QARs) notifying divisions of missing documentation, communicating discovery of PATM, MSB, or any other high risk activity to supervisor or other CBSAT designated team member(s).
• Responsible for written and verbal communication of findings with supervisor and BSA team. Effectively communicates with remote Bank employees during the investigation process as needed.
• Attend training and BSA Team Meetings.
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.

About You

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

• Required – Associate Degree: Two-year College Degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.
• Preferred – Bachelor’s Degree: Bachelor’s Degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.

Experience

• Required – 3 years: Demonstrated banking experience with branch/back office operations, compliance, audit, lending or a related function.
• Required – 1 year investigation experience preferably in law enforcement, security, fraud, or anti-money-laundering.
• Required – Advanced / Specialized Knowledge: Advanced knowledge of general Bank products and services, particularly those offered in a community banking environment, including understanding of bank operations and the flow of funds through a financial institution.
• Required – Knowledge Of: Knowledge of BSA/AML regulations and compliance as it applies to BSA reporting requirements, suspicious activity for money laundering, terrorist financing and fraud. Knowledge of AML and terrorist financing red flags and typologies as well as businesses who pose higher AML/CFT risk.
• Preferred – Advanced / Specialized Knowledge: Experience using Excel for data review and analysis, including use of Pivot Tables, charts, and Macros.

Would an equivalent combination of relevant education and work experience be considered?

Yes

License/Certification

No license or certification requirements listed.

Required Skills and Abilities

• Employee must be trustworthy and possess a significant level of credibility, discretion, and diplomacy.
• Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
• Employee must be a team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization.
• Employee must be well organized with ability to prioritize and multi-task in a fast paced work environment and meet deadlines with minimal supervision.
• Employee must have excellent search and navigation skills.
• Ability to learn other computer programs and systems in a timely fashion.
• Ability to serve as a backup for other staff members in a mutually supportive team work environment.
• Employee must be capable of regular, reliable, and timely attendance.

Additional Requirements

Travel

• Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Working Conditions

Environment

Indoors, a climate-controlled shared work area.

Noise Level

Moderate noise; not extreme or excessive; within reasonable limits.

Lifting

Sedentary work: 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, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Vision

Close visual acuity to prepare and analyze data and figures, view a computer terminal, and read the computer screen, printed materials, and handwritten materials.

Physical Activities

• Balancing: Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces. Infrequent – rare.
• Climbing: Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms. Infrequent – rare.
• Crawling: Moving about on hands and knees or hands and feet. Infrequent – rare.
• Crouching: Bending the body downward and forward by bending leg and spine. Infrequent – rare.
• Feeling: Perceiving attributes of objects such as size and shape, temperature or texture by touching with skin, particularly that of the fingertips. Infrequent – rare.
• Fingering: Picking, pinching, typing or otherwise working primarily with fingers rather than with the whole hand as in handling. Daily.
• Grasping: Applying pressure to an object with the fingers and palm. Infrequent – rare.
• Kneeling: Bending legs at knee to come to a rest on knee or knees. Infrequent – rare.
• Lifting: Raising objects from a lower to a higher position or moving objects horizontally from position to position. Infrequent – rare.
• Pushing: Using upper extremities to press against something with steady force in order to thrust forward, downward or outward. Infrequent – rare.
• Pulling: Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion. Infrequent – rare.
• Repetitive Motion: Making substantial movements (motions) of the wrists, hands, and/or fingers. Daily.
• Stooping: Bending body downward and forward by bending spine at the waist. Infrequent – rare.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details.

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.