Senior BSA - BSA/AML & Financial Crimes Technology

M&T Bank; United States; Hybride; USD 120 000 - 190 000; Plein temps

Résumé du poste

M&T Bank in the United States seeks a senior BSA/AML subject matter expert to lead business, functional and analytical efforts for investigations, SARs, and regulatory reporting.

You will partner with Compliance, Operations, Technology and Risk to translate complex financial-crimes requirements into effective solutions, manage AI-assisted analysis, and support platform modernization.

Qualifications

• Minimum of 6 years combined education and/or operational analytics experience in BSA/AML domain.
• Experience with financial-crimes investigations and SAR workflows.
• Strong business and functional requirements analysis skills.
• Experience applying AI-assisted tools in analysis and testing.

Responsabilités

• Serve as a senior BSA/AML SME supporting financial-crimes tech and business initiatives.
• Lead complex analysis, identify impacts, and contribute to solutions.
• Provide expertise across BSA/AML investigations, alerts, cases, and regulatory reporting.
• Translate business needs into clear requirements and actionable tech specs.
• Collaborate with Compliance, Technology, Risk, and Operations to align requirements.
• Guide testing, implementation, and post-production validation.

Connaissances

BSA/AML expertise

AI tools

Agile planning

Requirements analysis

Formation

6+ years combined education/analytics experience in BSA/AML

Description du poste

This role is four days onsite at our Seneca One Buffalo, NY location, with the flexibility to work from home one day per week.

Position Summary

The BSA is a senior-level subject matter expert responsible for providing business, functional, and analytical leadership supporting BSA/AML business stakeholders and technology teams, translating complex financial-crimes processes and requirements into effective business and technology solutions. The role provides expertise across BSA/AML investigations, case management, Suspicious Activity Reports (SARs), digital assets, blockchain and wallet-related financial crime considerations, AI-assisted analysis, and platform modernization/migration initiatives.

Key Responsibilities

BSA/AML & Financial Crimes Expertise

• Serve as a senior BSA/AML subject matter expert supporting financial-crimes technology and business initiatives.
• Independently lead complex analysis, identify business and technology impacts, contribute to solution design, support testing and implementation
• Provide functional and subject matter expertise covering BSA/AML processes, investigations, alerts, cases, and regulatory reporting.
• Partner with BSA/AML Operations, Compliance, Technology, Product, Risk, and other stakeholders to analyze business needs and translate them into comprehensive requirements.
• Identify business, operational, regulatory, data, and technology dependencies associated with proposed changes.
• Provide guidance throughout requirements, design, development, testing, implementation, and post-production validation.
• Evaluate the downstream impact of changes across integrated applications, data sources, reporting, and operational processes.
• Develop and maintain working knowledge of financial-crime considerations associated with digital assets, blockchain technologies, and digital wallets.
• Support analysis of financial-crimes use cases involving blockchain-based transactions and digital-asset activity.
• Stay current with evolving digital-asset and financial-crimes trends relevant to assigned responsibilities.

Business & Functional Analysis

• Lead requirements elicitation and analysis for BSA/AML technology initiatives.
• Develop clear and detailed Business requirements, Functional requirements, User stories, Process flows, Data requirements/mapping, Use cases and Test scenarios.
• Conduct impact and gap analyses for proposed system changes.
• Facilitate discussions to elicit business requirements and communicate requirements, risks, dependencies, and impacts clearly to technical and non-technical audiences.
• Identify and resolve missing, conflicting, or ambiguous requirements.
• Partner with technical teams for proposed solutions.
• Participate actively in Agile planning, backlog refinement, demonstrations, and implementation activities.
• Develop comprehensive business test scenarios and acceptance criteria.
• Partner with QA, automation testing and engineering teams to ensure tests adequately cover business requirements.
• Support functional, system-integration, regression, and user-acceptance testing.
• Assist with defect triage by analyzing business impact and expected behavior.
• Help establish traceability between requirements, development outcomes, test scenarios, data integrity, and implementation results.
• Analyze data and system behavior to support requirements, testing, troubleshooting, and production issue analysis.
• Work with technical teams to understand source-to-target data relationships and application dependencies.
• Coordinate effectively across multiple technology and business teams on complex initiatives.
• Demonstrate proficiency with AI tools and apply them responsibly to improve productivity and quality.
• Validate AI-generated results for accuracy, relevance, completeness, security, and alignment with established requirements before use.
• Identify appropriate opportunities to incorporate AI-assisted practices into existing analysis and testing processes.

Education and Experience Required:

• Minimum of 6 years combined higher education and/or operational/business analytics experience in BSA/AML Domain
• BSA/AML
• Financial-crimes investigations
• Case management
• SAR-related processes and workflows
• Alert and case lifecycle
• Financial-crimes technology
• Business and functional requirements analysis

Emerging Financial-Crimes Capabilities

• Digital assets
• Blockchain
• Digital wallets
• Proficiency with AI-assisted tools
• Business impact analysis
• Gap analysis
• Data and functional validation
• Regression and UAT support
• Cutover and post-implementation validation

Preferred Qualifications

• Significant experience working with BSA/AML, financial-crimes, compliance, or supporting technology organizations.
• Banking or financial-services experience.
• Experience supporting enterprise BSA/AML or financial-crimes platforms.
• Demonstrated ability to operate independently on complex, cross-functional initiatives.
• Strong business and systems-analysis capabilities.
• Experience translating business requirements into actionable technology req