Financial Crimes Risk Analyst

Overview

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This role is focused on ensuring the Bank’s compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity related to potential money laundering, financial crimes, and/or terrorist financing. The FCRM Analyst assesses the financial crimes risk of customers to ensure compliance with BSA/AML requirements including CIP, CDD, EDD, and beneficial ownership.

• Performs scheduled Enhanced Due Diligence (EDD) reviews of high‑risk accounts, including Money Service Businesses (MSBs), Marijuana or cannabis‑related or cannabis‑adjacent businesses (MRBs), Non‑Bank Financial Institutions (NBFIs), Politically Exposed Persons (PEPs), Non‑Resident Alien (NRA), privately‑owned ATM operators (POATMs), Crypto‑Currency, and related items; documents EDD monitoring and tags accounts appropriately in Verafin
• Analyzes transactional account trends and identification documentation to document a conclusion after completing EDD reviews of high‑risk customers; makes recommendations to accept high risk, mitigate to medium/moderate risk, or refer for account closure
• Provides updated information to the Financial Crimes Risk Manager for updating/revising procedures for handling newly identified high‑risk customers, including the proper method to review such accounts and report suspicious activity, document relationships and/or recommend account closure if necessary
• Reviews Verafin reports to determine if NGOs, MRBs, or MSBs are unidentified in the BSA system; adds tags and comments as needed
• Evaluates activity in Privately Owned ATMs (POATMs) or MSBs to determine any unusual patterns or lack of cash activity based on trends
• Stays up‑to‑date on MSB and MRB requirements for Louisiana, Mississippi, Texas, Alabama, and Florida as well as federal guidelines
• Communicates with applicable bank personnel to obtain documentation/information necessary to complete investigations or reviews of high‑risk accounts
• Tracks documentation required on all MSBs and works with retail and lending staff to resolve exceptions
• Processes alerts in Verafin that reflect Privately‑Owned ATM transactions for accounts not previously identified as POATM owners
• Adds comments to new Remote Deposit Capture (RDC) accounts in Verafin with risk rating assigned
• May be assigned Verafin alerts for red flags or new account scenarios and determines if the alert can be cleared or requires further investigation
• Utilizes internal bank systems and external research tools to investigate, research, and prepare documentation related to anti‑money laundering investigations
• Develops an understanding of the industry and AML regulations and patterns of behavior that indicate suspicious activity
• Stays up‑to‑date on policies and regulations related to AML schemes and characteristics
• Supports special projects or critical casework regarding BSA/AML matters

This job has no supervisory responsibilities.

• Analytical and Design – Strong problem solving and analytical skills; strong technical troubleshooting and ability to juggle multiple complex projects
• Problem Solving – Identifies and resolves problems in a timely manner; analyzes information; works well in group problem solving; reason responsibly in confidential topics
• Interpersonal Skills/Customer Service – Maintains confidentiality; open to others’ ideas; preserves commitments
• Oral and Written Communication – Communicates clearly; listens; interprets written information
• Teamwork – Builds positive team spirit; supports team success
• Organizational Support – Follows policies and completes administrative tasks accurately and on time
• Judgment and Motivation – Exercises sound judgment; explains reasoning; involves appropriate people in decisions
• Planning/Organizing – Prioritizes and plans work; uses time efficiently
• Professionalism – Treats others with respect; remains composed under pressure
• Quality and Quantity – Demonstrates accuracy and thoroughness; completes work timely
• Adaptability –…