Fraud Risk Analyst

Bank Secrecy Act Compliance Analyst

Assist in the implementation, monitoring and administration of all aspects of the Bank Secrecy Act compliance program under the guidance of the VP BSA Officer and department management. Required to be fully knowledgeable and skilled in all areas of the department to review and monitor suspicious activities while identifying and mitigating potential risks to the credit union. Work in a highly collaborative, fast-paced environment, where member experience and fraud prevention are the goal.

Fraud Risk Analysts may concentrate on one specific or many different fraud typologies, such as external/internal fraud, consumer and commercial DDAs, consumer lending, debit and credit cards, phishing or internet banking fraud, financial exploitation. Perform duties such as investigating multiple frauds in accordance with policies and procedures, performing thorough account transaction analysis for the purpose of identifying suspicious or fraudulent activity, analysis of reporting for the purposes of reducing risk to the company, and filing Suspicious Activity Reports (SARs).

Perform any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to Tru Stone members and co-workers.

Availability to work 40 hours per week Monday through Friday between the hours of 8:30am – 5:00pm at our Plymouth Corporate Office location; non-exempt.

In addition:

• Bachelor's Degree in Business Administration, Criminal Justice or related field preferred.
• At least 3 years of BSA/AML/Fraud related experience in research and investigations or,
• 5 or more years of experience in the financial industry, banking operations, law enforcement, fraud or security.
• Professional Certification from a financial industry group (i.e. ACAMS, CRCM, CFE, CUNA BSA/AML Certification, etc.) preferred.
• Knowledge of BSA/AML/OFAC/fraud regulations with experienced using dynamic BSA/AML/Fraud monitoring systems.
• At least 3 years of experience in the areas of: 314(a)(b), CTR, SAR, OFAC.
• Ability to take initiative and work independently with minimal supervision in a structured environment.
• Ability to manage time and adhere to strict deadlines.
• Strong analytical and problem-solving skills with ability to gather, organize, and interpret data.
• Ability to formulate independent preliminary conclusions.
• Ability to exercise good judgement when assessing risk.
• Excellent organizational skills and strong attention to detail, with the ability to multi-task and work independently in a fast paced, high volume environment.
• Strong communication skills to include written, verbal, and interpersonal skills.
• Ability to use sound judgment and handle difficult situations with tact, diplomacy, and discretion, knowing when to escalate a situation to management.
• Ability to maintain confidentiality and adhere to Tru Stone's policies and procedures.
• Maintains awareness of enterprise compliance requirements, including Bank Secrecy Act (BSA/AML) obligations, and follows internal policies and escalation protocols as applicable.
• Ability to pass a pre-employment drug test and various background checks.
• Regular and reliable attendance at the workplace.

Tru Stone Financial is a member-owned credit union offering comprehensive, straightforward, and competitive financial solutions designed to support our members' financial health. Established in 1939 by a group of teachers, Tru Stone Financial has grown into Minnesota's second-largest credit union. With over 550 dedicated employees, we serve more than 200,000 members across 23 branches in Minnesota and Wisconsin. Our vision is to deliver exceptional financial experiences, and to achieve this, we need exceptional people!

Join our expanding team and help us fulfill our mission to engage, educate, and inspire members toward lifelong financial well-being.

The salary range for this position is $23.50 to $29.50 per hour. In addition, we offer:

• Competitive pay and incentive programs for all positions.
• Health insurance with the ability to choose which plan option is best for you – a Traditional Health Plan or Health Savings Plan.
• Affordable dental and vision insurance…