Corporate AML​/CFT EDD; Enhanced Due Diligence Analyst

Overview

The BSA/AML Investigator reports to the Corporate EDD Supervisor and is responsible for the monitoring and investigation of High Risk Customers (HRC) within the BSA/AML/CFT Department in accordance with the Bank’s policies and procedures to determine if further action may be necessary. The BSA/AML Investigator will also prepare Questionable Activity Referrals (QARs) based on the findings from their assigned HRC investigations.

The BSA/AML Investigator will document findings in the HRCR review folder, update the DDM review module, and complete the review in accordance with the Bank’s policies and procedures.

This is a Corporate position which may be located in an available bank division across our nine‑state footprint in AZ, CO, , MT, NV, TX, UT, WA, or WY.

The entry rate for this position is $18.82+ per hour (calculated for Kalispell, MT). All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

WA Applicants Only:
Spokane, WA range $21.01 to $31.53 an hour. Wenatchee, WA range $21.31 to $31.97 an hour.

• Investigates and dispositions HRCRs as assigned by their supervisor in accordance with the BSA Departmental Procedures. Performs case investigations and meets assigned target goals as determined and set by the CDD Supervising BSA Officer.
• Researches and forms initial determinations regarding additional actions to be taken, such as completing Questionable Activity Referrals (QARs), notifying divisions of missing documentation, and communicating discovery of PATM, MSB, or any other high risk activity to supervisor or other CBSAT designated team member(s).
• Responsible for written and verbal communication of findings with supervisor and BSA team; effectively communicates with remote Bank employees during the investigation process as needed.
• Attend training and BSA Team Meetings; must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by the due date.

• Required:
  
  Associate Degree;
  Two‑year College Degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.
• Preferred:
  Bachelor’s Degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.

• Required:
  
  3 years of demonstrated banking experience with branch/back‑office operations, compliance, audit, lending, or a related function.
• Required:
  
  1 year of investigation experience preferably in law enforcement, security, fraud, or anti‑money‑laundering.

• Advanced knowledge of general Bank products and services, particularly those offered in a community banking environment, including understanding of bank operations and the flow of funds through a financial institution.
• Knowledge of BSA/AML regulations and compliance as it applies to BSA reporting requirements, suspicious activity for money laundering, terrorist financing and fraud. Knowledge of AML and terrorist financing red flags and typologies as well as businesses that pose higher AML/CFT risk.

• Experience using Excel for data review and analysis, including use of Pivot Tables, charts, and Macros.

• Employee must be trustworthy and possess a significant level of credibility, discretion, and diplomacy.
• Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
• Employee must be a team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization.
• Employee must be well organized with ability to prioritize and multi‑task in a fast paced work environment and meet deadlines with minimal supervision.
• Employee must have excellent search and navigation skills.
• Ability to learn other computer programs and…