FID Fraud Analyst

Job Summary

Job Details

Job Location:

FID Edinburg Location – Edinburg, TX 78539

The FID Analyst I assists the Financial Intelligence Department in maintaining compliance with all aspects of the Bank’s BSA/AML/OFAC and Anti-Fraud Programs. An FID Analyst I is a first‑tier analyst position that reports to an FID Team Lead and/or FID Manager. The role involves developing an understanding of the Bank’s basic analysis and monitoring processes.

• Review and understand standard bank documentation, customer due diligence information, and banking transactions.
• Perform detailed analysis on accounts that appear to have unusual and/or suspicious activity and provide documentary evidence to support findings.
• Conduct quality‑control reviews and monitoring of BSA, USA Patriot Act, Anti‑Money Laundering, OFAC, customer and account due diligence, and enhanced due diligence on new and existing bank customers.
• Process Currency Transaction Reports (CTR) and Negotiable Instruments Logs, ensuring timely and correct filing.
• Contact branch staff regarding specific issues related to CTRs, BSA monitoring, CDD, fraud, and/or high‑risk reviews.
• Perform investigative research from internal and external sources to complete Customer Due Diligence profiles.
• Prepare or assist in preparing requests for information to customer‑facing lines of business (e.g., retail, trust, commercial).
• Investigate and monitor customer transactions and behaviors using automated monitoring systems and reports.
• Assist with monitoring of USA Forms Administration for potential fraud and/or unusual activity.
• Document and maintain the Bank’s compliance efforts daily, ensuring adherence to policies and procedures and compliance with federal and state laws.
• Participate in job‑specific training and various Bank training programs as necessary.
• Maintain current knowledge of internal risk controls, loss prevention, and all BSA/OFAC/USA Patriot Act/CIP/AML regulations.

• Self‑starting individual with an Associate’s or Bachelor’s degree in Criminal Justice, Business, Finance, or a related field (equivalent banking experience may substitute).
• Preferably six months of prior banking experience.
• Basic knowledge of various banking functions such as retail banking, commercial banking, trade‑financing, asset‑based lending, loan documentation, financial statements, and cash‑flow analysis.
• Fundamental knowledge of BSA, AML/CIP/OFAC, and USA Patriot Act regulations.
• Ability to comprehend related technical language and processes.
• Ability to maintain confidentiality, exercise good business judgment, and discretion in performing daily duties.
• Strong computer skills with proficiency in Microsoft Word, Outlook, and Excel.
• Strong interpersonal and communication skills to interact with all levels of Bank personnel.
• Ability to work effectively in a fast‑paced environment and meet deadlines.
• Attention to detail and mental concentration for accurately performing tasks with frequent interruptions.
• Position requires sitting for extended periods of time.
• Availability to work a flexible schedule, Monday through Friday (8:00 a.m. to 5:00 p.m.), and occasional Saturdays.
• Bilingual in English and Spanish is desired.

This position reports to an FID Manager or FID Team Lead and does not oversee other positions.

Lone Star National Bank is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status protected by applicable laws.