Financial Intelligence Unit Analyst

Thread Bank; Nashville (TN); Remote; USD 50,000 - 70,000; Full time

Job summary

Thread Bank is seeking an Entry Level Financial Intelligence Unit Analyst to join their team. The candidate will be responsible for analyzing suspicious activities, completing case investigations, and filing SARs. A solid understanding of BSA/AML regulations is required, along with strong analytical and problem-solving skills. This position offers a unique opportunity to thrive in a digital banking environment.

Qualifications

• Knowledge of BSA/AML regulations.
• 2-3 years of case management/SAR filing experience preferred.

Responsibilities

• Analyze accounts for unusual or suspicious activity.
• Document findings in a centralized case management system.
• File suspicious activity reports (SARs) in a timely manner.

Skills

Analytical skills

Critical thinking

Problem-solving

Communication

Attention to detail

Education

Bachelor’s degree preferred

Job description

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Who We Are

We believe the future of banking is digital, connected, contextual, and customer-first.

Description

Who We Are

We believe the future of banking is digital, connected, contextual, and customer-first.

We dreamed of a better way of banking for businesses and their busy owners, so we built Thread Bank. Our digital-first solutions combine best-in-class technology with a streamlined customer experience to reduce the time, effort, and mental energy required to do everyday business and personal banking.

Next, we created an easy-to-implement, easy to sell, embedded banking solution. It empowers business technology platforms to offer the same simplified, secure, small business banking experience we offer our customers. These partners use our embedded banking to diversify and strengthen relationships with their customers, who in turn experience digital banking provided by people they trust.

And we didn’t stop there.

We are continually innovating and investing in building our financial ecosystem. Through meticulously selected partnerships, we utilize our technology platform and charter to empower other banks, credit unions, and Fintechs to integrate fully compliant financial solutions into their customer experience without the hassle of building them.

Connected, together, we thrive.

Position Summary

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 escalate 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.
  
  

Desired Knowledge, Skills, And Abilities

• 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.
  
  

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
  
  

Working Conditions

Remote roles, no matter if hybrid or 100% full time, must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Remote work is not a substitute for child/dependent care. Requirements are subject to change, as new systems and technology are delivered.

Travel

Travel may be required for attendance at meetings as needed.

EEO Statement

Thread Bank is an Equal Opportunity Employer and Prohibits Discrimination and Harassment of Any Kind. We are committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment. All employment decisions at Thread Bank are based on business needs, job requirements and individual qualifications, without regard to race, color, religion or belief, sex, sexual orientation, gender identity, national origin, veteran or disability status, family or parental status, or any other status protected by the laws or regulations in the locations where we operate. Thread Bank will not tolerate discrimination or harassment based on any of these characteristics. Thread Bank encourages applicants of all ages.

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.

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Other, Information Technology, and Management

• Industries

  Banking

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