AML/CFT Analyst II

FFB Bank•Fresno, CA

12d

About The Position

The AML/CFT Analyst II supports the Director of AML/CFT in the implementation and administration of the AML/CFT compliance program. The AML/CFT Analyst II performs various quality control reviews and monitoring pertaining to the Bank Secrecy Act, USA PATRIOT Act, Anti-Money Laundering Program, OFAC and Customer Identification programs using industry standards and regulatory guidance to ensure the bank’s compliance efforts are maintained daily.

Requirements

Bachelor’s degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred. ACAMS or similar certification required.
Minimum 3–5 years of related experience in a financial institution working in risk management, compliance or AML required.
Proficient analytical and problem-solving skills; capable of interpreting complex data and providing meaningful insights.
Experience with CSI and Verafin preferred. Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required. Intermediate knowledge of AML/CFT monitoring software.
Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees.
Strong organizational and time management abilities with attention to detail.
Proficient teamwork and relationship skills to contribute to cross-functional collaboration and team success.
Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs.
Commitment to continuous learning and professional development to stay current with industry standards and best practices.
Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders.
Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
Ability to work independently with minimal supervision and as part of a team.
Proven ability to adapt to changing priorities and procedures.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.

Responsibilities

Maintains proficient knowledge of current AML/CFT and OFAC regulations, as well as all applicable federal and state laws and bank policies and procedures.
Reviews daily cash reports to identify, and file required Currency Transaction Reports (CTRs), within required time limits.
Maintains files and documentation for CTR exempt customers.
Monitor AML/CFT software daily alerts, trends, and potential unusual or suspicious activities.
Investigates daily alerts and referrals to identify and report suspicious activity on simple to moderately complex cases.
Prepares and files Suspicious Activity Reports (SARs), as appropriate, based on alerts and referrals.
Maintains supporting documentation for all SARs and potential SARs.
Performs timely periodic review and analysis of high-risk customers.
Performs callback of all new deposit accounts to ensure appropriate CIP/CDD/ADD and risk score requirements are followed.
Ensures all supporting documentation for legal entity customers are scanned and maintained in the core system.
Prepares monthly reports for the Director of AML/CFT, covering key areas including high-risk customer reviews, CIP/CDD/EDD callback errors, SARs and PSARs filed, and CTRs filed.
Provides feedback to the Director of AML/CFT for potential control weaknesses, staff training needs, policy, or procedure enhancements and/or ongoing system errors.
Monitors record retention.
Supports the implementation of training programs related to AML/CFT policies, procedures, and compliance.
Contributes to the development of bank forms, notices, and procedures to ensure adherence to AML/CFT regulations.
Aids in the preparation and updating of the AML/CFT Risk Assessment, policies, and procedures.
Assists in managing the AML/CFT software monitoring system.
Assists in the preparation and coordination of independent audits and regulatory exams.
Provides guidance and research support to bank staff on AML/CFT-related inquiries.
Manages and monitors AML/CFT staff high risk analysis to ensure zero late filings and analytical reviews.
Manages and monitors 314(a) and 314(b) requests.
Manages and monitors OFAC screenings to determine potential OFAC matches.
Provides cross-training to AML/CFT staff and junior staff on software and AML/CFT processes.
Monitors regulatory updates as related to AML/CFT, including FinCEN, OFAC, FDIC and other regulatory agencies.
Prepares and publishes Compliance bulletins and information related to AML/CFT updates and changes.
Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making.
Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represents the Bank through ethical conduct and community involvement.
Demonstrates an understanding of and commitment to EEO policies. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role.
Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.