BSA​/AML Monitoring Analyst

Reports to: Assistant Manager, BSA / AML Monitoring

Functions Supervised: None

Primary Functions: The BSA/AML Monitoring Analyst I is responsible for monitoring, investigating, and reporting suspicious activities in compliance with the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations. This role ensures the timely and accurate filing of Suspicious Activity Reports (SARs) and Currency Transactions Reports (CTRs) for the Credit Union and Credit Union Service Organizations (CUSOs).

• Review and analyze alerts and case referrals related to SARs and CTRs, conducting timely triage to determine filings to Financial Crimes Enforcement Network (FinCEN). Escalate issues as appropriate, and ensure investigations and reports are completed and filed within established regulatory deadlines.
• Verify the receipt and accuracy of branch CTRs to process and perform FinCEN e-filing daily.
• Conduct detailed investigations using internal systems, member profiles, and external resources
• Draft and complete SARs for filing in accordance with regulatory timelines and internal standards.
• Monitor and validate transactions that meet the CTR filing threshold.
• Maintain related supporting documentation and records of decisions on all regulatory reports to ensure audit readiness.
• Maintain detailed documentation of investigations, findings, and decisions in accordance with internal procedures and regulatory expectations.
• Identify and detect restricted account activities during transaction investigations, escalating accounts to relevant business units for possible restrictions or discontinuation of services.
• Utilize credit union training platforms, including third-party vendors, to support continued education, professional growth, and development. Remain informed of emerging AML trends, typologies, and evolving regulatory expectations relevant to BSA processes.
• Perform other duties as assigned

Education: High school graduate or equivalent.

Creditable Experience in Lieu of

Education:

Not Applicable

Experience/

Skills:

A minimum of two years of progressively responsible experience in financial operations or a related compliance role. Demonstrates advanced investigative and analytical skills, with the ability to interpret complex data and identify patterns indicative of suspicious activity. Possesses excellent verbal and written communication abilities, enabling clear documentation and effective collaboration across teams. Brings a thorough understanding of accounting principles and balancing procedures, supporting accurate financial analysis.

Exhibits strong critical thinking and problem-solving skills, exercising sound independent judgment in high-stakes compliance scenarios. Well-versed in business law and regulatory requirements, particularly the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations. Prior experience in roles involving routine investigative work is highly valued.

Tenure: Assignment to BSA/AML Monitoring Analyst II (Category 12), requires minimum of twelve months tenure in the BSA/AML Monitory Analyst I (Category 13) position with performance that meets or exceeds expectations. Assignment to BSA/AML Monitoring Analyst III (Category 11), requires minimum of twelve months tenure in the BSA/AML Monitoring Analyst II (Category 12) position with performance that meets or exceeds expectations.

Assignment to Senior BSA/AML Monitoring Analyst (Category 10), requires minimum of twelve months tenure in the BSA/AML Monitoring Analyst III (Category 11) position with performance that meets or exceeds expectations. Assignment to these roles may be determined by candidate's education or relevant experience. Directly related work experience and/or…