BSA Risk Analyst

ACNB BANK•York, PA

5d•Onsite

About The Position

At ACNB Bank, Risk Management isn't just about regulatory compliance—it's about protecting the trust our customers place in us every day. We're looking for an analytical, detail-oriented professional who enjoys solving complex problems, investigating unusual activity, and partnering with teams across the Bank to strengthen our BSA/AML and OFAC compliance programs. If you're someone who enjoys connecting the dots, asking the right questions, and making sound, risk-based decisions, this is an opportunity to build a meaningful career with a financially strong, relationship-focused community bank.

Requirements

Associate's or Bachelor's degree in Business, Finance, Criminal Justice, Accounting, or another related field.
Specialized education or experience in BSA/AML compliance.
Strong understanding of BSA, AML, OFAC, Customer Due Diligence, and related banking regulations.
Experience reviewing transactions, identifying unusual activity, and conducting investigations using sound judgment.
Strong analytical, critical thinking, and problem-solving skills with exceptional attention to detail.
Excellent written and verbal communication skills with the ability to clearly document findings and explain regulatory requirements.
Working knowledge of banking operations and proficiency with MS Office applications, particularly Excel.

Nice To Haves

CAMS certification preferred—or the willingness to earn it within an established timeframe.

Responsibilities

Investigating BSA/AML system alerts, suspicious transactions, international wire activity, and high-risk customer relationships, documenting thorough investigations and escalating potential reportable activity when appropriate.
Ensuring Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), OFAC reviews, and other regulatory filings are completed accurately and within required timeframes.
Strengthening the Bank's Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Customer Identification Program (CIP), and Beneficial Ownership processes through thoughtful review, monitoring, and risk analysis.
Serving as a knowledgeable resource for business units by providing guidance on suspicious activity, OFAC, CTRs, CIP, CDD, and other BSA/AML compliance requirements.
Monitoring evolving BSA, AML, and OFAC regulations while helping the Bank maintain strong compliance practices and proactively adapt to regulatory changes.
Collaborating with teammates across Risk Management and other departments to ensure information flows efficiently and compliance responsibilities are completed accurately.
Supporting special projects and broader enterprise risk initiatives that strengthen the Bank's overall risk management program.