Financial Crimes Risk Analyst

originbank; Ruston (LA); On-site; USD 70,000 - 95,000; Full time

Job summary

Origin Bank is seeking a Financial Crimes Risk Analyst to ensure compliance with BSA, USA PATRIOT Act and OFAC. You will monitor, investigate, and report suspicious activity related to money laundering and terrorist financing, assess risks across accounts, and prepare SARs in line with FinCEN guidance.

The role requires analyzing complex transaction data, researching root causes of suspicious activity, and coordinating with bank teams to collect necessary documentation.

Qualifications

• Strong analytical and problem-solving abilities.
• Ability to work on multiple complex projects.
• Excellent written and oral communication skills.

Responsibilities

• Prepare concise alert and case summaries for SAR filings.
• Analyze transactional data for high-risk activity incl. MSBs, cannabis-related, NBFIs.
• Investigate customer behavior for AML-related activity; determine if SAR likely.
• Collaborate with bank personnel to gather documentation.
• Document complex cases and draft SARs and NO SAR for review.
• Renewal review 90 days after original SAR; decide on refile or close.
• Operate systems and research tools for AML investigations.
• Maintain expertise on AML regulations and typologies.
• Stay updated on policies related to AML.

Skills

Analytical thinking

Problem solving

Interpersonal skills

Oral and written communication

Job description

Your Career. Your Story. Let's Write the Next Chapter Together.

At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education.

What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future.

If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you.

Job Description

The Financial Crimes Risk Analyst ensures the Bank's compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering activity, financial crimes and/or terrorist financing. Specifically, the Financial Crimes Risk Analyst will assess the financial crimes risk associated with various customer accounts and transactions; conducting research to determine the root cause and potential financial crimes; and ensuring the accurate and timely reporting of suspicious activity as identified via Anti-Money Laundering (AML) regulations and FinCEN guidance regarding same. Duties and Responsibilities include the following :

• Prepares concise and thorough alert and case investigation summaries outlining relevant details to support a final outcome for possible SAR filings.
• Accurately analyzes transactional data to identify activity indicative of Money Service Businesses (MSBs), Marijuana/Cannabis-related Businesses (including those adjacent to this industry), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PSPs), Non-Resident Alien (NRA), Privately-Owned ATM Operators (POATMs), Crypto-Currency, etc.; Refers any such activity to the Financial Crimes High Risk Customers and Accounts team.
• Researches, analyzes and investigates customer account behavior for potential Anti-Money Laundering (AML)-related suspicious activity that is referred to case in Verafin. Determines if a Suspicious Activity Report is likely to be filed with FinCEN.
• Partners with banking center and other department employees, as necessary, in researching and investigating cases. Communicates with applicable bank personnel to obtain any further documentation and/or information necessary to complete the investigations.
• Administers essential workflow functions such as: documenting complex cases; ensuring that SAR narratives include all pertinent data elements; NO SAR decisions are thoroughly substantiated, complying with federal interagency guidance and internal Bank policies and standards; and provides draft SARs and NO SAR decisions to the applicable Financial Crimes Risk Manager for review and approval.
• Completes renewal review for continuing activity 90 days following original SAR filing. Makes recommendation to refile or close.
• Operates all systems and software programs used to obtain customer information, transaction history, and archive reports used to gather information for the FCRM program.
• Utilizes a variety of internal bank systems and external research tools to investigate, research, and prepare documentation related to anti-money laundering investigations.
• Maintains subject matter expertise of the banking/financial services industry and AML/financial crimes-related regulations, as well as typologies for suspicious activity or terrorist financing.
• Stays up-to-date on current and new policies and regulations as they relate to anti-money laundering schemes and characteristics.
• Support any special projects or critical casework regarding BSA/AML matters.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Competencies

• Analytical and Design - Strong problem solving and analytical skills required to succeed in this job; Strong technical troubleshooting skills and ability to juggle simultaneous complex projects.
• Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations; Uses reason even when dealing with emotional or confidential topics.
• Interpersonal Skills/Customer Service - Maintains confidentiality; Remains open to others' ideas and tries new things; Responds to requests for service and assistance; Meets commitments.
• Oral and Written Communication - Speaks clear