Senior BSA Analyst - Financial Crimes

Position Summary

The Senior BSA Analyst plays a critical role in safeguarding Metro Credit Union against financial crimes while ensuring full compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, FinCEN regulations, and related federal requirements. Leveraging advanced anti-money laundering (AML) software and investigative expertise, this role is responsible for reviewing escalated alerts, conducting complex investigations, and recommending appropriate actions.

As a trusted subject matter expert, the Senior BSA Analyst will collaborate across departments to strengthen Metro’s risk management framework, provide guidance on regulatory requirements, and partner with management to design, document, and enhance policies and procedures. This position requires strong analytical skills, sound judgment, and a proactive approach to identifying suspicious activity that could pose financial, operational, or reputational risks to the Credit Union.

• Conduct comprehensive Enhanced Due Diligence (EDD) and ongoing behavioral reviews to ensure compliance with BSA/AML regulations and proactively identify potential risks.
• Monitor, update, and author Standard Operating Procedures (SOPs) and reference materials to reflect evolving regulatory requirements; partner with management to design and implement new processes as needed.
• Prepare and submit Suspicious Activity Reports (SARs) in accordance with FinCEN guidelines, ensuring timely, accurate, and well-documented filings.
• Oversee the Currency Transaction Report (CTR) workflow within the automated compliance management system, ensuring deadlines are consistently met and reporting standards upheld.
• Perform reconciliations of key reports to verify accuracy and adherence to procedures; work with internal teams to correct or obtain missing information required for regulatory compliance.
• Review, analyze, and resolve alerts generated by anti–money laundering software, escalating issues as appropriate and documenting findings in detail.
• Maintain accurate and up-to-date Know Your Customer (KYC) records, supporting robust member due diligence and regulatory compliance.
• Collaborate across departments to investigate suspicious activity, mitigate fraud risks, and recommend corrective actions.
• Provide mentorship and training to new team members, reinforcing best practices and promoting a strong compliance culture.
• Lead and participate in special projects involving system upgrades, workflow enhancements, or process improvements to strengthen the BSA/AML program.
• Perform additional duties and support compliance initiatives as assigned by management.
• Champion AI optimization and process improvement by actively utilizing the organization’s Microsoft Copilot and other AI‑powered tools to enhance productivity, streamline workflows, and drive operational efficiencies across the Financial Crimes team.

• Bachelor’s degree and/or equivalent combination of education and work experience strongly preferred.
• Minimum of 2-3 years of related experience strongly preferred.

• BSA Certification and/or Certified Anti-Money Laundering (“CAM”) certification preferred.
• Strong understanding of compliance and regulations related to departmental duties such as Chapter X, the USA Patriot Act and the FFIEC BSA/AML Examination Manual.
• Strong attention to detail and analytical skills.
• Ability to perform work with accuracy and diligence.
• Ability to effectively communicate in oral and written form.
• Ability to present information in a clear and easily understood manner.
• Ability to work independently but also be a team player when required.
• Ability to work in a fast-paced and challenging environment.
• Ability to adapt to change.
• General office environment.
• Frequent computer and keyboard use.
• Highly stationary.

Health, Dental, and Vision coverage for employees working minimum 20 hours per week. Metro provides assistance toward premiums and copays and offers 100% coverage on prescription copays through the Prescription Drug Program.

Three weeks of paid vacation per year and 11 paid…