BSA CTR Analyst Amarillo, Plano, or Sugar Land

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time Analyst Non-Exempt Amarillo, TX, US

Under the direction of the BSA Currency Transaction Report (CTR) Manager, the BSA CTR Analyst supports the Bank Secrecy Act/Anti‑Money Laundering (BSA/AML) Department by collecting, verifying, validating, analyzing, reporting, and maintaining customer and transactional information to ensure the timely and accurate filing of CTRs for cash transactions exceeding $10,000, in compliance with regulatory requirements.

The BSA CTR Analyst is responsible for ensuring compliance with all applicable regulatory requirements, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC), as well as the Bank’s internal BSA/AML/OFAC policies and procedures.

• Demonstrate a thorough understanding of the Bank’s BSA/AML regulations, policies, and procedures.
• Analyze CTR alerts generated from the anti‑money‑laundering monitoring system as well as daily transaction reports designed to detect potentially reportable activity.
• Ensure timely, accurate, and complete filing of Currency Transaction Reports (CTR) in compliance with regulatory requirements.
• Review customer and transaction activity to identify potentially suspicious activity, including structuring, and escalating for possible SAR consideration, when appropriate.
• Make recommendations for CTR exempt designations and assist with the preparation and filing of Designations of Exempt Persons (DOEP), including periodic reviews.
• Correspond with branch personnel regarding individual transaction activity, resolve discrepancies, and obtain required or supplemental information.
• Perform functions related to the Bank’s BSA/AML Program, including transaction monitoring, customer activity reviews, and account‑level analysis.
• Complete required annual BSA/AML and Compliance training and remain current on regulatory changes impacting CTR and cash transaction reporting.
• Adhere to confidentiality, data privacy, and information security standards.
• Other duties as assigned by supervisor.

This role has no supervisory responsibilities.

Education/Certification: Bachelor’s Degree or equivalent work experience. CAMS certification a plus.

Required Knowledge: Working knowledge of BSA, AML, and other AML regulatory policies with the ability to apply regulatory concepts and explain findings and decisions.

Experience

Required:

Minimum of one year of BSA banking experience including branch/platform experience and knowledge of Bank Secrecy Act regulatory requirements.

Prior experience in AML, compliance, or related role preferred, or relevant coursework in criminology, law, logic as well as auditing and other business courses.

Skills/Abilities:

• Self‑starter with the ability to work independently under minimal supervision while maintaining accuracy and productivity.
• Ability to meet deadlines in a fast‑paced, high‑pressure environment while managing multiple priorities.
• Results‑oriented team player with a collaborative mindset.
• Strong problem‑solving and multi‑tasking skills, with attention to detail.
• Exceptional research and analytical skills, including the ability to analyze large amounts of data, identify higher‑risk attributes (e.g., transactional behavior, geographical risk, product type, customer type, etc.) and disposition appropriately.
• Strong verbal and written communication skills, with the ability to communicate effectively.
• Proficient in MS Office (Outlook/Word/Excel/PowerPoint).
• Strong documentation skills to clearly articulate alert disposition.
• Adherence to controls and standards.

Talking:
Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing:
Able to hear average or normal conversations and receive ordinary information.

Repetitive Motion:
Movements frequently and regularly required using the wrists,…