Remote BSA/SAR Investigator I

Golden 1 Talent Acquisition Team; Sacramento (CA); Remote; USD 43,000 - 44,000; Full time

Job summary

Golden 1 Credit Union is seeking a detail‑oriented BSA SAR Investigator I who can work remotely in California. This non-exempt role reports to Sup - FCIC Investigations in Corporate Compliance and focuses on AML alert reviews and SAR determinations.

You will analyze CTRs and transaction activity, prepare SARs with findings, and coordinate with cross‑functional teams to ensure regulatory compliance and timely reporting. Strong judgment and data collection skills are essential.

Qualifications

• Associate's Degree or combination of professional experience and education required
• 1+ years experience in a financial institution with AML experience
• Knowledge of BSA, USA PATRIOT Act, OFAC requirements

Responsibilities

• Performs AML alert and case review, including research, to decide whether suspicious activity exists.
• Ensures alert and case determinations are appropriate, fully supported, and clearly documented.
• Execute investigations based on Client On-boarding; Maintenance; UAR's (Unusual Activity Report); Government sources and other control areas.
• Analyze CTR's and other financial transactions to monitor/detect suspicious activity.
• Responsible for the preparation and communication of SAR reports as it relates to transaction details, analysis, findings, and supporting documentation.
• Responsible for filing SARs and recommend relationship retention or termination, and track account closures as required.
• Ensure accuracy of SARs by utilizing a risk-based approach for each transaction.
• Notify cross-functional departments of any suspicious activity to protect the integrity of the business and prevent further egregious behavior.
• Responsible for performing in-depth investigative research related to SAR filings on members, non-members or connected parties by utilizing a range of internal data (e.g., transaction activity, KYC, etc.) and external data (e.g., internet, media, legal, corporate, and other publicly available records, and databases).
• Assist with the data collection, research, investigation, and timely completion of 314(b) requests for information, and law enforcement requests.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including OFAC Sanctions, Executive Orders, FACTA, Reg. CC, Reg. E, UCC, Check 21, Bank Secrecy Act, Anti-Money Laundering laws, Visa and other card related regulations appropriate to the role.
• Comply with all established internal audit, security and Credit Union rules, regulations, and departmental procedures.
• Maintain knowledge by keeping updated with required regulations or procedures through emails, publications, online resources, and procedure changes.
• Maintain confidentiality of documentation and communications to and from members, other institutions, law enforcement and vendors.
• Review, research, and disposition FRAML, OFAC and FinCEN alerts, accurately and within specified timeframes.
• Work detailed investigations from start to finish.
• Assists with other investigative efforts within the department, as well as identify and report trends.
• Act as a liaison with other local and federal law enforcement, and other financial institutions.

Skills

Detail-oriented

Analytical thinking

Regulatory knowledge

Investigative skills

Risk assessment

Education

Associate's Degree

Job description

Golden 1 Credit Union is seeking a detail‑oriented BSA SAR Investigator I who can work remotely in California. This non-exempt role reports to Sup - FCIC Investigations in Corporate Compliance and focuses on AML alert reviews and SAR determinations.

You will analyze CTRs and transaction activity, prepare SARs with findings, and coordinate with cross‑functional teams to ensure regulatory compliance and timely reporting. Strong judgment and data collection skills are essential.