BSA Officer

KISH BANK•Brown Township, PA

About The Position

Kish is seeking an experienced BSA Officer to lead and strengthen the Bank’s Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Office of Foreign Assets Control (OFAC) compliance programs. This leadership role is responsible for developing, implementing, and administering the Bank’s BSA/AML/CFT compliance framework while ensuring adherence to applicable regulatory requirements. The role helps protect the Bank, support business partners, and foster a strong culture of compliance. The BSA Officer manages the compliance program, policies, procedures, risk assessments, reporting, transaction monitoring, investigations, and regulatory filings. The officer coordinates audits and examinations, oversees employee training, supervises assigned team members, and supports branches, departments, and the Risk Officer on BSA-related matters. The position is primarily sedentary office work, with frequent sitting and occasional standing, walking, reaching, bending, and stooping. It may require occasionally lifting or moving up to 20 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions.

Requirements

Minimum of five years of experience in banking operations, compliance, anti-money laundering, and Bank Secrecy Act compliance.
Strong knowledge of the Bank Secrecy Act (BSA).
Strong knowledge of Anti-Money Laundering (AML) regulations.
Strong knowledge of Currency Transaction Reporting (CTR).
Strong knowledge of USA PATRIOT Act requirements.
Strong knowledge of OFAC regulations and sanctions compliance.
Strong knowledge of Customer Due Diligence (CDD).
Strong knowledge of Enhanced Due Diligence (EDD).
Strong knowledge of Suspicious Activity Reporting (SAR).
Experience working with law enforcement agencies, auditors, and regulatory examiners.
Ability to analyze complex situations, manage multiple priorities, and exercise sound judgment.
Excellent written, verbal, organizational, and leadership skills.
Strong attention to detail and commitment to regulatory compliance.

Nice To Haves

Bachelor’s degree in Business, Finance, Accounting, Criminal Justice, or a related field is preferred.
CAMS (Certified Anti-Money Laundering Specialist) certification is preferred.
Experience managing BSA/AML monitoring software and compliance systems.
Experience leading regulatory examinations and independent audits.
Strong analytical and investigative skills.
Proven ability to build relationships across departments and influence a culture of compliance.
Supervisory or team leadership experience.

Responsibilities

Manage and maintain an effective BSA/AML/CFT compliance program aligned with the Bank’s risk profile and risk appetite.
Develop, implement, and administer BSA, AML, CFT, OFAC, CIP, CDD, and EDD policies, procedures, and risk assessments.
Ensure timely reporting, filing, and documentation of required BSA and OFAC reports.
Monitor regulatory developments and implement changes needed to maintain compliance with BSA, AML, CFT, OFAC, USA PATRIOT Act, and related regulations.
Evaluate and enhance transaction monitoring systems and reporting processes to improve suspicious activity detection.
Collaborate with Operational, Retail, Lending, and Technology staff to improve processing efficiencies and information transmission between origination, servicing, and monitoring systems.
Lead investigations involving suspicious, unusual, or potentially illegal activities.
Prepare, review, approve, and submit Suspicious Activity Reports (SARs) and other required regulatory filings.
Chair SAR Committee meetings and maintain decisions and documentation in accordance with regulatory expectations.
Present investigative findings, due diligence documentation, and recommendations to management and the SAR Committee.
Coordinate with local, state, and federal law enforcement agencies and financial institutions as appropriate.
Maintain the Bank’s BSA/AML/CFT internal control structure to identify, measure, monitor, and control risk.
Coordinate and validate information for annual BSA/AML/CFT and OFAC Risk Assessments.
Ensure comprehensive Customer Due Diligence and Enhanced Due Diligence programs are maintained across the Bank.
Assess the effectiveness of compliance monitoring tools, risk indicators, and due diligence processes.
Coordinate internal audits, independent validations, and regulatory examinations related to BSA, AML, CFT, OFAC, and USA PATRIOT Act compliance.
Manage the collection, review, validation, and submission of audit and examination materials.
Respond to auditor and examiner requests and maintain appropriate documentation and supporting records.
Foster a culture of compliance through daily interactions and leadership.
Develop and oversee the Bank’s BSA training program to ensure employees receive role-appropriate regulatory training.
Support ongoing education initiatives to improve organization-wide awareness of suspicious activity reporting requirements.
Supervise, coach, develop, and evaluate assigned team members; conduct performance reviews, one-on-one meetings, and workforce planning activities.
Manage team workflow, scheduling, and resource allocation.
Provide guidance and support to branches and departments regarding BSA-related matters.
Deliver timely issue resolution and collaborative service to internal and external customers.
Support the Risk Officer with research, recommendations, reporting, and compliance-related initiatives.