Financial Intelligence Unit Analyst

Thread Bank; Nashville (TN); Vor Ort; USD 65.000 - 90.000; Vollzeit

Zusammenfassung

Thread Bank, a digital-first fintech startup, seeks an FIU Analyst to support BSA/AML functions, investigations, and SAR filing. You will analyze alerts, conduct account reviews, and document findings in a centralized system, ensuring regulatory compliance and evidence-based decisions.

The role requires attention to detail and collaboration across teams. Ideal candidates bring 2–3 years of SAR experience, familiarity with AML monitoring tools, and a proactive, regulatory-minded approach in a

Qualifikationen

• Strong critical thinking, analytical, and problem-solving skills.
• Ability to identify fraudulent or suspicious activity and escalate when needed.
• Detailed analysis of accounts and relationships.
• Thrives in fast-paced, high-demand environments.
• Excellent research and organizational skills.
• Ability to handle multiple tasks and priorities.
• Proficient with PC work and MS Office.
• Strong communication skills, both oral and written.
• Knowledge of BSA/AML regulations.
• Familiarity with AML monitoring systems.
• Bachelor's degree preferred; CAMS/CAFP preferred.

Aufgaben

• Analyze accounts for unusual or suspicious activity.
• Process alerts and decide clearance or escalation.
• Investigate account irregularities and determine escalation.
• Document findings in case management system.
• Communicate deficiencies detected during monitoring.
• Investigate matters using public/non-public resources.
• File SARs in regulatory compliant manner.
• Maintain proficiency in BSA/AML and fraud compliance.
• Adhere to bank policies and confidentiality.
• Perform other duties as assigned.

Kenntnisse

Critical thinking

Analytical skills

Problem solving

Fraud detection

Fast-paced work style

Self-motivated and detail-oriented

Multi-tasking & prioritization

Strong communication (oral/written)

Regulatory knowledge (BSA/AML)

PC proficiency

CAMS/CAFP preferred

Ausbildung

Bachelor's degree preferred

CAMS/CAFP certifications preferred

Tools

Microsoft Office suite

Bank systems knowledge

Jobbeschreibung

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.

Description

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

Employee must be able to perform essential functions of the position and, if requested, Thread Bank will make reasonable accommodations to enable employees with disabilities to perform the essential functions of their job, absent undue hardship, in accordance with the ADA. Thread Bank is an Equal Opportunity Employer. Thread Bank does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need. By submitting your application, you give Thread Bank permission to email, call, or text you using the contact details provided. We will only contact you with job-related information.