Senior BSA/AML Investigator & Mentor

Publix Employees Federal Credit Union; Lakeland (FL); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Medical, dental and vision insurance

Paid time off

11 holidays per year

401(k) and profit sharing

Tuition reimbursement

Job summary

Publix Employees Federal Credit Union (PEFCU) is seeking a Senior BSA Specialist to provide deep BSA/AML regulatory expertise and lead investigations within a financial institution.

You will conduct complex investigations, prepare SARs, perform CDD/EDD, review alerts, and help shape policies while mentoring junior analysts across teams.

Join a values-driven organization with strong benefits and a commitment to compliance excellence and risk mitigation.

Qualifications

• 3–5 years of experience conducting complex BSA/AML investigations within a financial institution.
• Extensive knowledge of BSA regulations and program management.
• Advanced knowledge of BSA, USA PATRIOT Act, OFAC, FinCEN, and related regulatory requirements.
• Advanced knowledge and experience with AML monitoring systems (e.g., Verafin, Actimize, FIS).
• Exceptional analytical, investigative, and problem-solving skills.
• Ability to adapt to broad strategic changes and align processes with initiatives.
• Excellent written and verbal communication, especially SAR narratives.
• Ability to manage multiple priorities and maintain confidentiality.

Responsibilities

• Conduct in-depth investigations of complex, high priority BSA/AML cases.
• Maintain files on sensitive information including BSA/Patriot Act/OFAC compliance monitoring and reporting.
• Prepare and file high-quality SARs in accordance with FinCEN guidelines and regulatory timelines.
• Collect information, submit and file Currency Transaction Reports.
• Review, analyze, and resolve alerts generated by the Verafin transaction monitoring system.
• Perform customer due diligence / enhanced due diligence (CDD / EDD) on new and high-risk members, including periodic reviews and risk assessments.
• Support the development and maintenance of BSA/AML policies, procedures, and risk assessments.
• Conduct quarterly transaction monitoring system modeling assessments and recommend configuration changes.
• Monitor, make recommendations, and implement transaction monitoring system updates and new product releases.
• Serve as a primary contact for sharing information between other financial institutions and law enforcement for 314(a)/314(b) requests.
• Conduct sanctions/OFAC screening of new accounts and daily transactions.
• Assist in regulatory examinations and internal/external audits by providing documentation and addressing examiner/auditor inquiries.
• Participate in various projects as the BSA SME, and assist in implementing processes in response to new or revised regulations, new technical advances, etc across the credit union.
• Participate in the development and delivery of enterprise-wide BSA/AML training programs for staff.
• Handle member/employee questions, in relation to BSA and/or Compliance.
• Handle member/employee questions in relation to Elder Abuse.
• Monitor industry developments and regulatory changes to ensure ongoing compliance.
• Act as a lead resource for junior analysts and provide training, and quality assurance support.
• Prepare data/reports for monthly and annual management reporting.

Skills

Analytical skills

Investigative skills

Problem-solving

Regulatory knowledge

Education

Associate in finance

Accounting

Criminal Justice

2 years of undergraduate studies preferred

Tools

Verafin

Actimize

FIS

Job description

Publix Employees Federal Credit Union (PEFCU) is seeking a Senior BSA Specialist to provide deep BSA/AML regulatory expertise and lead investigations within a financial institution.

You will conduct complex investigations, prepare SARs, perform CDD/EDD, review alerts, and help shape policies while mentoring junior analysts across teams.

Join a values-driven organization with strong benefits and a commitment to compliance excellence and risk mitigation.