FIU Manager Complex Customer Risk; Remote

Summary/Objectives

The FIU Manager/Complex Customer Risk supports the Bank's enterprise-wide BSA/AML/OFAC Program to minimize the Bank's exposure to BSA/AML/OFAC risk by performing due diligence on complex commercial customers. The role keeps abreast of evolving regulations and financial crime trends, and applies the Bank's risk appetite to manage higher risk accounts.

• Manage the department workflow and ensure duties of staff are performed as expected.
• Conduct periodic quality control reviews to ensure high‑risk reviews are properly documented and unusual activity referrals are generated as warranted.
• Develop and propose recommendations to address BSA/AML/OFAC risks and processes requiring enhancement.
• Understand trends in customer data and detect risks that warrant decision‑making.
• Discuss and escalate unique complex customer types, structures, financial products, services, and other AML risks.
• Analyze new and existing complex business relationships to determine risk and provide recommendations for approval or denial.
• Assist in the creation and maintenance of case files documenting all information used in the review of certain higher‑risk industries.
• Read, analyze, and interpret Federal and State banking regulations related to the Bank Secrecy Act and Anti‑Money Laundering statutes and regulations.
• Maintain proficiency in all aspects of BSA/AML compliance; attend regular BSA trainings as assigned.
• Adhere to all provisions of South State Bank policies and procedures, including the confidentiality policy, code of ethics, and BSA/AML/OFAC policies.
• Provide recommendations on adding, retaining, or removing customers from the bank's high‑risk customer monitoring process through collaboration with management.
• Other duties and responsibilities may be assigned, according to the needs of the Bank.
• Demonstrate familiarity with general bank operations.

• Familiarity with various AML monitoring systems and commercial research databases.
• Knowledge of complex customers such as third‑party payment processors, private equity/venture capital, program managers, institutional investors, and Fin Tech companies.
• Strong research and problem‑resolution skills.
• Ability to work and thrive in a fast‑paced, high‑intensity, deadline‑driven environment.
• Self‑motivated, dependable, adaptable, and detail‑oriented with strong analytical and organizational skills.
• Proficiency with PC work, including Microsoft Outlook, Word, Excel, PowerPoint, and other software as needed; knowledge of and ability to use internal bank systems is a plus.
• Excellent oral and written communication skills.
• Ability to draft reports, prepare documents, and compose letters, memorandums, and business correspondence.
• Ability to interface with all business lines and legal entities and people of varying levels, titles, and knowledge.
• Ability to read, analyze and interpret Federal and State banking regulations related to the Bank Secrecy Act and anti‑money laundering.

• Bachelor's degree preferred.
• 7 years minimum of related BSA/AML experience in a management capacity.
• Minimum 3 years of supervisory or management experience.
• Experience in mentoring and coaching subordinates to develop required skills.
• Experience managing multiple people and projects.
• Experience performing customer due diligence and enhanced due diligence at an advanced level.
• Experience monitoring, reviewing, and analyzing account activity to identify unusual or suspicious activity.

• In‑depth knowledge of BSA/AML regulations and regulatory expectations related to higher‑risk customer types.
• Familiarity with various AML monitoring systems and commercial research databases.
• Strong understanding of bank operations, navigating banking systems, understanding teller transactions, and interpreting customer transactions.
• CAMS (Certified Anti‑Money Laundering Specialist) and/or CAFP (Certified AML and Fraud Professional) preferred.

• New Employee Orientation.
• Required annual compliance training.
• System‑specific training as necessary to perform duties.
• FIU/Financial Crimes training as…