AML​/CFT Analyst

AML/CFT Fraud Analyst at Border Bank

We are hiring an AML/CFT Fraud Analyst to work at one of our current Border Bank locations in Fargo, ND;
Badger, Baudette, Clearbrook, Coon Rapids, Greenbush, International Falls, Middle River, Roseau; or Thief River Falls, MN. This role plays a critical part in detecting, investigating, and preventing fraudulent activity across all banking channels while ensuring compliance with the Bank Secrecy Act, Anti‑Money Laundering regulations, and related laws.

• Monitor & investigate transaction activity across deposit, loan and digital banking platforms for signs of fraud or AML/CFT violations and elevate.
• Investigate suspicious account behavior, unauthorized transaction and elevate suspicious activity.
• Collaborate with Compliance, IT, and Customer Service teams to resolve fraud cases and mitigate risk.
• Analyze fraud trends and contribute to the development of detection rules and prevention strategies.
• Prepare and file Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) within regulatory timelines.
• Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews, including periodic risk assessments.
• Assist in the implementation of BSA/AML software and tools.
• Assist in maintaining and updating Fraud & AML/CFT policies, procedures, and risk models.
• Educate staff and customers on fraud prevention best practices.
• Stay current on changes to all regulatory and industry best practices.

• Bachelor's degree in Finance, Criminal Justice, Business, or related field, or equivalent experience.
• 2+ years of experience in Fraud & AML/CFT compliance or financial crimes investigation.
• Prefer experience with BSA/AML software (e.g., Verafin, BAM+, FIS, or similar).
• Proficiency in Excel, SQL, or data visualization tools for analytic reporting.

• Paid Time Off & Paid Holidays
• Childbirth Recovery Leave & Parental Leave
• Flexible Spending Account HSA + Employer Contribution
• 401(k) + Employer Match
• Bank‑paid Life Insurance & Long‑Term Disability
• Globe Life – Accidental Injury Insurance, Heart and Stroke Insurance, Cancer
• Intensive Care Insurance
• Hospital Indemnity Insurance, Critical Illness Insurance, Cancer
• Accident Insurance, Life Insurance, Disability Insurance
• Employee Assistance Program (EAP)
• Wellness Dollars
• Education Assistance and more!

Join our team!