Financial Intelligence Unit Analyst

Thread; Nashville (TN); On-site; USD 65,000 - 95,000; Full time

Job summary

Thread Bank is seeking an FIU Analyst to support BSA/AML functions, including review of alerts, investigations, and SAR filings. You will document findings, escalate as needed, and work with regulatory requirements.

Candidates should have 2–3 years in case management/SAR filing and strong analytical skills in a fast-paced fintech environment. This role is based in Nashville, TN, offering growth within a digital-first community bank.

Qualifications

• Strong critical thinking, analytical, and problem-solving skills.
• Ability to identify fraudulent, unusual and/or suspicious activity and escalate when needed.
• Detailed analysis of accounts and relationships.
• Ability to work in a fast-paced, high-demand environment.
• Self-motivated, dependable, adaptable, detail-oriented with strong research and organizational skills.
• Proficient PC skills including Outlook, Word, Excel, PowerPoint; familiarity with internal bank systems.
• Excellent oral and written communication; ability to draft reports and correspondence.
• Knowledge of BSA/AML regulations; familiarity with monitoring systems and SAR filing; 2–3 years of SAR/case management experience.

Responsibilities

• Analyze accounts for unusual or suspicious activity via AML reports and alerts.
• Process alerts by deciding to clear or escalate for investigation.
• Conduct account investigations and address irregularities; determine escalation needs.
• Ensure determinations are well documented and supported by evidence.
• Document findings in a centralized case management system and maintain records as required.
• Communicate with Bank personnel on CDD/EDD deficiencies detected during monitoring.
• Utilize public and private resources to investigate financial crime matters.
• Escalate activity meeting criteria for suspected fraud or unusual activity.
• File SARs in a timely and regulatory-compliant manner.
• Maintain proficiency in BSA/AML and fraud compliance; adhere to policies and procedures.

Skills

Critical thinking

Analytical

Problem solving

Attention to detail

Communication

Research skills

Multi-tasking

Regulatory awareness

Education

Bachelor's degree preferred

CAMS/CAFP preferred

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

Microsoft PowerPoint

Banking systems

Job description

Description

Who We Are

Thread Bank is a digital-first financial technology community bank that aims to enhance customer

engagement through innovative solutions. Thread Bank offers a modern website, a CRM system, and a

mobile app to simplify banking for businesses and individuals. Our embedded banking solution helps

business technology platforms provide secure banking experiences. We also partner with other banks,

credit unions, and FinTechs to integrate compliant financial solutions. Thread Bank values

innovation, collaboration, and flexibility, offering excellent benefits and a family-friendly

culture.

What We Are Looking For

We are looking for people who thrive in a fast-paced, growth environment while remaining within

regulatory boundaries. Thread Bank provides a unique opportunity to be a part of a high growth,

cutting edge, fintech startup within the stable and profitable banking industry. This is an

excellent opportunity for a professional looking to advance their career as the company grows.

What you’ll do

The Financial Intelligence Unit (FIU) Analyst is responsible for assisting with BSA related functions that can include: analysis, investigation, and disposition of alerts generated from the Bank’s BSA/AML automated surveillance monitoring software, completing and documenting case investigations, and/or completing suspicious activity reports (SAR). Essential functions can vary based on specific duties assigned.

Essential Functions

• Analyze accounts for unusual or suspicious activity through the use of various reports and alerts generated by the Bank’s AML platforms.
• Process alerts by making a determination to clear or to elevate for further investigation based on an analysis of findings.
• Conduct account investigations and research in an effort to address any account irregularities and determine whether escalation is warranted.
• Ensure all determinations can be supported by evidence and are well documented in an organized, cohesive manner.
• Document all findings in a centralized case management system to ensure complete documentation is secured and maintained as required by regulation.
• Communicate with Bank personnel and management on CDD/EDD deficiencies detected during the account monitoring process.
• Utilize a wide variety of public and non-public resources to investigate matters involving possible financial criminal activity fully.
• Escalate activity that meets the established criteria for investigating suspected fraudulent or potential unusual activity.
• File suspicious activity reports (SARs) in a timely and regulatory compliant manner.
• Maintain proficiency in all aspects of BSA/AML and/or fraud compliance.
• Adhere to all provisions of Thread Bank’s policies and procedures, including the confidentiality policy, code of ethics, and BSA/AML/OFAC policies and procedures.
• Other duties and responsibilities may be assigned, according to the needs of the Bank.

Qualifications

• Strong critical thinking, analytical, and problem-solving skills.
• Ability to identify fraudulent, unusual and/or suspicious activity and understand when it needs to be escalated.
• Ability to perform a detailed analysis of accounts and relationships.
• Ability to work and thrive in a fast paced, high intensity, high demand and deadline driven environment.
• Self-motivated, dependable, adaptable, and detail-oriented with strong research and organizational skills.
• Ability to handle and accomplish multiple tasks and resolve competing priorities effectively.
• Proficient with PC work, including Microsoft Outlook, Word, Excel, PowerPoint, and other varying software if/as needed. knowledge of and ability to use internal bank systems a plus.
• Excellent oral and written communication skills.
• Ability to draft reports, prepare documents, and compose letters, memorandums, and business correspondence.
• Ability to interface with all business lines and legal entities and people of varying level, title and knowledge.
• Ability to read, analyze and interpret Federal and State banking regulations related to the Bank Secrecy Act and related requirements.
• Knowledge and understanding of BSA/AML regulations.
• 2-3 years of case management/SAR filing experience.
• Familiarity with various AML monitoring systems and commercial research databases.
• Strong understanding of bank operations including but not limited to navigating banking systems, understanding teller transactions and interpreting customer transactions.
• CAMS (Certified Anti-Money Laundering Specialist) and/or CAFP (Certified AML and Fraud Professional) preferred
• Bachelor’s degree preferred