CTR Analyst , II or Senior CTR Analyst

Come to work for a company you can be proud to work for...and enjoy fantastic, comprehensive benefits.

The hiring range for this opportunity is $23.25 to $43.00 per hour along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.

Training will be conducted 100% on‑site at one of our office locations:
Chico, Roseville, or Bakersfield, CA. After successful completion of training, employees may be considered for a set hybrid schedule. Hybrid arrangements are not guaranteed and may be changed or revoked by management at any time. Fully remote work is not available for this position.

The Currency Transaction Reporting (CTR) Analyst is responsible for currency transaction monitoring and reporting to comply with BSA/AML regulations. CTR processing is a high-volume job requiring attention to detail, speed and accuracy. It is the responsibility of the CTR Analyst to assume ownership of all assigned duties and responsibilities, including challenges and meeting all expected/established/required deadlines, that this person encounters in the operation of their assigned position.

A Senior CTR Analyst will manage the daily CTR workflow and perform Quality Assurance testing on other CTR Analyst work.

• Utilizing the Bank’s AML software to verify and create a CTR submission file each day, ensuring the accuracy of the data in relation to each reportable cash transaction and/or aggregations of cash reportable transactions.
• Retrieving reports from other bank systems to compare/review cash transactions against the data produced within the Bank’s AML software, ensuring all reportable cash transactions were captured and/or are reported.
• Work with branch personnel if/when necessary to verify/obtain information for completion of a CTR report.
• Document errors made by branch personnel in relation to CTR report completion in appropriate system.
• As needed – provide guidance to front line staff on how to complete a CTR.
• As scheduled – conduct review of foreign currency purchases to detect possible CTRs.
• As scheduled – validate transactions conducted in CTR Exempt customers’ accounts to identify possible CTRs.
• As scheduled – reconcile CTRs submitted by the branch to CTRs generated by the system and CTRs identified on the POD 430.
• As scheduled – multiple and changing CTR preprocessing and post processing tasks to ensure all CTRs were identified and subsequently filed timely and accurately.
• Create, review/update job specific procedures to ensure current procedures are documented.
• As needed – work in a “team based” environment, with additional department tasks, including compiling information for audits and regulatory examinations.
• Participate in all internal and external BSA/AML enterprise-wide audits and examinations, while ensuring no violations of law or repeat findings from previous audits or examinations occur.
• Independently make risk‑based decisions related to what information is reported on individual CTRs based upon regulatory guidance, research, and industry best practices.
• Serve as the Subject Matter Expert (SME) for Currency Transaction Report (CTR).
• Perform quality control reviews of CTRs completed by other employees.

All previously listed CTR I responsibilities and:

• Utilizing the Bank’s AML software to verify and create a CTR submission file each day, ensuring the accuracy of the data in relation to each reportable cash transaction and/or aggregations of cash reportable transactions.
• Retrieving reports from other bank systems to compare/review cash transactions against the data produced within the Bank’s AML software, ensuring all reportable cash transactions were captured and/or are reported.
• Work with branch personnel if/when necessary, to verify/obtain information for completion of a CTR report.
• CTR's must be submitted by the required deadlines.
• Independently make risk‑based decisions related to what information is reported on…