FID Analyst I

LONE STAR NATIONAL BANK; McAllen (TX); In loco; USD 54.000 - 70.000; Tempo pieno

Descrizione del lavoro

The Lone Star National Bank is seeking an FID Analyst I to support the Financial Intelligence Department in maintaining compliance with BSA/AML/OFAC and anti-fraud programs. You will assist in analyzing accounts and preparing supporting documentation.

You will work under the FID Team Lead or Manager, perform due diligence reviews, CTR processing, and contribute to ongoing regulatory compliance through detailed investigations and timely reporting.

Competenze

• Associates or Bachelor's in Criminal Justice, Business, Finance, or related field preferred.
• Six months banking experience preferred.
• Knowledge of BSA/AML/OFAC and USA Patriot Act regulations.

Mansioni

• Review documentation and customer due diligence information.
• Perform analysis on accounts with unusual activity.
• Prepare detailed documentary evidence to support analysis and CTR processing.
• Assist in maintaining regulatory compliance programs.

Conoscenze

Interpersonal skills

Attention to detail

Bilingual (EN/ES)

MS Office familiarity

Formazione

CJ/Business/Finance degree

Strumenti

Microsoft Word

Outlook

Excel

Descrizione del lavoro

JOB SUMMARYThe FID Analyst I assists the Financial Intelligence Department in maintaining compliance with all aspects of the Bank’s BSA/AML/OFAC and Anti-Fraud Programs. An FID Analyst I is a first tier analyst position that will report to a FID Team Lead and/or FID Manager. An FID Analyst I is tasked with developing an understanding of the Bank’s basic analysis and monitoring processes.ESSENTIAL DUTIESThe duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.Reviews and understands standard bank documentation, customer due diligence information, and banking transactionsPerforms detailed analysis on accounts that appear to have unusual and/or suspicious activityProvides detailed documentary evidence to support the analysis performedPerforms assigned quality control reviews and monitoring of the Bank Secrecy Act, USA Patriot Act, Anti-Money laundering, OFAC, customer due diligence, account due diligence and enhanced due diligence on new and existing bank customers and Customer Identification program compliance using industry standard and regulatory guidelinesProcesses Currency Transaction Reports (CTR) and Negotiable Instruments LogsWorks closely with Financial Intelligence Department to ensure all CTR’s are filed timely and correctlyContacts branch staff for specific issues relating to CTRs, BSA Monitoring, CDD, Fraud and/or High Risk ReviewPerforms analysis and investigative research from numerous internal and external sources to complete Customer Due Diligence profilesPrepares or assists in the preparation of requests for information to customer facing lines of business (i.e. retail, trust, commercial)Investigates and monitors customer transactions and/or behaviors associated with products or services through the use of automated monitoring systems and reportsPerforms timely and accurate research and effective investigationsPerforms detailed analysis on accounts that appear to have unusual and/or suspicious activity and provides detailed documentary evidence to support the findingsAssists with monitoring of USA Forms Administration for potential fraud and/or unusual activityAssists in documenting and maintaining the Bank’s compliance efforts on a daily basis by ensuring adherence to the bank’s policies and procedures to ensure compliance with all federal and state laws and regulationsParticipates in job specific training and other various Bank training programs, as necessaryMaintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policyMaintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operationsMaintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AMLQUALIFICATIONSThese specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.A self-starting individual who possesses an Associates or Bachelor’s in Criminal Justice, Business, Finance or a related field is preferred (equivalent banking experience may substitute degree preference)Six months of prior banking experience is preferredBasic knowledge of various banking functions such as, retail banking, commercial banking, trade-finance, asset-based lending, loan documentation, financial statements and cash flow analysis is preferredFundamental knowledge of BSA, AML/CIP/OFAC and USA Patriot Act regulationsAbility to comprehend related technical language and processesAbility to maintain confidentiality, good business judgment and exercise discretion in performing daily dutiesStrong knowledge of personal computers, office equipment and proficiency with Microsoft Word, Outlook and ExcelStrong interpersonal and communication skills to interact with all levels of Bank personnelAbility to work effectively in a fast-paced environment and meet deadlinesAttention to detail and mental concentration for accurately performing tasks with frequent interruptions.Position requires sitting for extended periods of timeAvailability to work a flexible schedule, Monday through Friday (8:00 a.m. to 5:00 p.m.), and occasional SaturdaysBilingual in English and Spanish is desiredORGANIZATIONThis position reports to an FID Manager or FID Team LeadThis position does not oversee other positionsTRAINING REQUIREMENTSAll employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.COMMUNITY INVOLVEMENTLone Star National Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity. All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.ATTENDANCEPunctuality and regular attendance should be regarded as essential functions of any position at Lone Star National Bank.Among other things, \"good attendance habits\" mean the following:Be at your work station ready for work by the start of each workdayRemain at your work station, unless the needs of the job require being elsewhere, except during authorized breaks (including restroom breaks)Take only the time normally allowed for breaksCall in and notify your supervisor or another member of management if you are going to be either absent or tardyAlternate work arrangements such as telecommuting or working from home are not permitted by Lone Star National BankLSNB is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status as protected by applicable laws.Management reserves the right to change this position description at any time according to business needs.