BSA High Risk Review Team Lead

The duties and responsibilities of the position are to be carried out in a manner that is consistent with the goals, values and operating principles of Banco do Brasil Americas, and in conformity with all laws and regulations governing the Bank. Every associate is to read and understand the policies and procedures of their department as well as those of the Bank to ensure smooth operations, satisfactory audits and examinations.

Every associate is to conduct business relationships in a manner that will enhance the overall marketing effort of the Bank.

The BSA High Risk Review Team Lead is responsible for leading and overseeing a team of Sr. Analysts who conduct the review of high-risk customer accounts. This role ensures high-risk customer accounts and their investigations are thorough, timely, well-documented, and consistent with applicable regulatory requirements, internal bank policies/procedures, and risk standards.

The BSA High Risk Review Team Lead serves as a subject-matter expert (SME) of the high-risk customer account review and other complex investigations involving financial crimes, provides quality assurance and coaching, monitors team performance and deadlines, and partners with the BSA Officer and or Deputy BSA Officer, Risk, Legal, Fraud, and other stakeholders to identify and mitigate financial crime and sanctions risk.

The BSA High Risk Review Team Lead ensures that all unusual and suspicious activities identified when completing the review of high-risk customer accounts are reported to FinCEN in a timely manner and comply with all applicable regulatory requirements.

• Lead, coach, and develop a team of High-Risk Review Sr. Analysts, including setting performance expectations and providing ongoing feedback.
• Oversee the timely and accurate completion of enhanced due diligence (EDD), high-risk customer reviews, transaction reviews, and escalated investigations.
• Review and approve complex or high-risk cases in accordance with established policies, procedures, and risk appetite.
• Ensure investigations are well-documented, supported by appropriate evidence, and demonstrate clear rationale for decisions and recommendations.
• Monitor team workloads, productivity, quality, aging, and service-level performance; identify and address operational gaps.
• Conduct quality assurance reviews and identify trends, recurring issues, and opportunities for process improvement.
• Serve as an escalation point for complex cases, unusual activity, adverse media, sanctions concerns, PEP exposure, fraud indicators, and other elevated-risk matters.
• Partner with Compliance, AML, Fraud, Sanctions, Legal, Risk, and Operations teams on complex investigations and risk decisions.
• Ensure team practices remain aligned with applicable regulatory requirements, internal policies, procedures, and risk standards.
• Develop and maintain reporting and management information related to high-risk review activity, case volumes, quality, productivity, and emerging risk trends.
• Identify opportunities to improve workflows, procedures, controls, and technology supporting the high-risk review process.
• Support audits, regulatory examinations, internal reviews, and other compliance-related initiatives.
• Participate in policy and procedure development, testing, implementation, and change-management activities.
• Maintain awareness of emerging financial crime, fraud, sanctions, and regulatory risks and communicate relevant developments to management and the team.
• Develops, maintains and revises policies and procedures with regards to BSA investigations.
• Provide proactive advice and guidance to the front and back-office personnel on BSA AML OFAC compliance matters.
• Direct deep-dive investigations into complex financial crimes and money laundering.
• Ensure accurate and timely filing of Suspicious Activity Reports (SARs) with FinCEN.
• Maintain compliance with federal banking laws and regulatory standards.
• Conduct performance reviews, training, and mentoring for team members.
• Partner with legal, risk, and law enforcement teams as needed

• Develop and update internal logs, reports, metrics as needed for BSA Management.
• Responsible for monitoring analysts’ productions with regards to High-Risk Reviews and investigations, request for information, etc.
• Assists with OFAC related issues as appropriate.
• Make decisions based on Bank standards, policies and established procedures as well as compliance with the…