Retail BSA/AML Risk Advisor

Patriot-Bank,-N.a.; Orange (CT); On-site; USD 70,000 - 95,000; Full time

Job summary

Patriot Bank is seeking a BSA Analyst to provide subject-matter expertise on CIP, KYC, CDD, and EDD within Retail Banking, supporting risk-based decisions and regulatory compliance across the customer lifecycle.

You will partner with BSA Operations, Risk, Fraud, and Compliance, review watchlist alerts, and assist with CTRs/SARs while driving governance, documentation, and remediation initiatives. Strong analytical and communication skills are essential.

Qualifications

• Bachelor’s degree or equivalent work experience.
• 3+ years of experience in BSA/AML or related risk within a financial institution.
• Experience supporting audits, regulatory examinations, or remediation efforts.
• Strong expertise in CIP, KYC, CDD, EDD, customer risk rating, and retail BSA/AML requirements.
• Ability to apply risk-based judgement to complex scenarios.
• Excellent analytical, investigative, and critical-thinking skills.
• Strong written and verbal communication skills, including documentation of risk decisions.
• Ability to influence and partner across functions without direct authority.
• Highly organized with the ability to manage competing priorities in a fast-paced environment.

Responsibilities

• Serve as SME for Retail Banking onboarding, account maintenance, periodic reviews, and customer exits.
• Perform or review CDD and EDD for retail customers.
• Evaluate customer profiles using a risk-based approach.
• Review CIP/KYC documentation and guide remediation when deficiencies are identified.
• Act as escalation point for complex, high-risk, or sensitive customer situations.
• Document risk-based analyses and advisory rationale for governance, audit trails, and examinations.
• Review preliminary BSA screenings, including adverse media, sanctions, and PEP reviews.
• Maintain familiarity with transaction monitoring typologies to support advisory decisions.
• Assist with CTRs and SARs for complex or unusual scenarios.
• Provide BSA support for new retail products and digital initiatives.
• Participate in remediation activities, policy updates, and process improvements.
• Identify trends across the retail portfolio and translate observations into actionable insights.

Skills

Analytical thinking

Investigative skills

Critical thinking

Communication skills

Cross-functional collaboration

Organization

Education

Bachelor’s degree or equivalent

Tools

Verafin

Unit 21

LexisNexis

Microsoft Office

Job description

Patriot Bank is seeking a BSA Analyst to provide subject-matter expertise on CIP, KYC, CDD, and EDD within Retail Banking, supporting risk-based decisions and regulatory compliance across the customer lifecycle.

You will partner with BSA Operations, Risk, Fraud, and Compliance, review watchlist alerts, and assist with CTRs/SARs while driving governance, documentation, and remediation initiatives. Strong analytical and communication skills are essential.