AML/CFT Officer & FIU Manager

Bank of Tampa•Tampa, FL

13h•Onsite

About The Position

The goal of our Financial Investigations Unit (FIU) is to provide quality exceptional service to our internal and external clients. The AML/CFT Officer & FIU Manager will be designated by the Board of Directors as the Bank of Tampa’s Bank Secrecy Act (BSA) Officer. This senior officer will have direct responsibility to manage both the AML/CFT Program and, jointly with the Client Protection Team, co-own the Bank’s fraud governance framework, including fraud detection, prevention, policy, reporting, and committee governance, to prevent, investigate, and reduce fraud perpetrated against the Bank and its clients. The position will manage the FIU team in their day-to-day duties and responsibilities.

Requirements

10+ years BSA/AML experience or related experience
Experience and/or exposure to financial institution fraud investigations and processing.
Demonstrated administrative, managerial, supervisory and leadership abilities.
4-Year Undergraduate Degree (e.g., BS or BA) or equivalent combination of education and experience

Nice To Haves

3+ years as a BSA/AML/CFT Officer for a community bank
7+ years experience as the leader of a team
Professional Certification related to BSA/AML compliance.

Responsibilities

Consistently delivers outstanding client service with a friendly, can-do attitude, and willingness to help at all times.
Acts as a cultural ambassador to internal and external clients, providing a professional, exceptional, and supportive experience with each interaction.
Fosters a culture of accountability and continuous improvement by delivering timely performance feedback, recognizing strengths, and addressing development needs with clarity and support.
Manages the Bank’s AML/CFT program to ensure strict adherence to regulatory requirements.
Monitoring, supervising, coordinating, and documenting the Bank's AML/CFT Program to ensure compliance with all BSA laws, rules and regulations, including the timely filing of all required BSA reports and notices.
Update at least annually, including supporting procedures and forms as applicable.
Acts as the primary administrator of the Bank’s Abrigo BAM+ BSA/AML system including model governance and methodology, system updates, risk rating, model testing, areas of concern and user access management and review.
Manages the FIU team in their duty to monitor financial activity on a daily basis to prevent and detect money-laundering activity.
Reviews case investigations, to include SARs when applicable.
Follow up on investigations if/when needed.
Oversees/administers the AML/CFT Committee, which meets quarterly.
Provides and coordinates ongoing and formalized AML/CFT compliance training programs for the Board of Directors and appropriate personnel and maintains documentation of training efforts.
Maintains risk assessments (AML/CFT, OFAC, Fraud).
Obtains Board approval in conjunction with annual training.
Dissemination of information regarding new or amended AML/CFT compliance requirements to appropriate personnel.
Includes quarterly Board reporting.
Provides assistance and guidance to Bank employees regarding the interpretation and implementation of the AML/CFT, related federal regulations and the Bank's AML/CFT compliance program.
Maintains the centralized BSA exemption list, approves additions to and deletions from the list, and ensures that copies of the current exemption list are accessible by appropriate personnel.
Serves as the liaison with regard to the AML/CFT between the Bank, Federal Regulators, State Regulators and other government agencies.
Includes regulatory exam management.
Provides for a periodic independent audit of the Bank's compliance with the BSA, including a report to the Board and/or Directors Audit & Risk Management Committee noting exceptions and recommendations.
The AML/CFT Officer will provide a response to the report, including planned corrective actions, if necessary.
Promptly reports any known or suspected violations of the BSA involving the Bank to appropriate authorities, and any violation of the Bank's AML/CFT compliance program to the Board and/or the Directors Audit & Risk Management Committee.
Co-manages and collaborates with the Client Protection Team to co-own the Bank’s fraud governance framework, including fraud detection, prevention, policy, reporting, and committee governance, to prevent and mitigate fraud threats and losses to the Bank and its clients.
Oversees the FIU team’s day-to-day fraud detection activities, including alert triage, case management, related investigations, and escalation protocols, in coordination with the Client Protection Team.
Co-leads fraud prevention initiatives, including recommending and monitoring detective and preventive controls, managing significant exposures and losses, and coordinating timely mitigation actions with key stakeholders.
Maintains and updates fraud policies, standards, and procedures (at least annually or as needed) in partnership with the Client Protection Team, including documentation of roles, escalation paths, and governance routines.
Develops and delivers fraud reporting and management information (e.g., trends, key risk indicators, losses, root-cause themes, and control effectiveness), including periodic reporting to senior management and/or the Board as applicable.
Oversees fraud committee governance activities in coordination with the Client Protection Team, including meeting cadence, agenda setting, materials preparation, action item tracking, and escalation of key risks and issues.
Maintains liaison with local, state, and federal law enforcement officials.
Participates and coordinates with enforcement agencies and auditors in investigating fraud.