Financial Intel Analyst IV

Navy Federal Credit Union • Vienna, VA

87d

About The Position

The BSA/AML position involves performing complex research and analysis of Navy Federal account activity to identify red flags and suspicious activity in both personal and business accounts. The role requires conducting in-depth risk reviews and documenting enhanced due diligence, including activity trend analysis. The individual will maintain knowledge of BSA/AML history, regulations, and industry guidance while supporting Business Unit staff in complying with established BSA/AML policies and procedures. Familiarity with typical legal business structures and normal activity by business industry is essential. The work is conducted under general direction. Additionally, the role includes supporting day-to-day Office of Foreign Assets Control (OFAC) operations, compliance analyses, and projects across the enterprise in compliance with Navy Federal's BSA/AML & OFAC Compliance Program. Responding to ad-hoc OFAC related queries and providing subject matter expertise to partner business units is also part of the responsibilities. The position requires maintaining knowledge of OFAC history, regulations, and industry guidance, and is performed under general direction. The Financial Crimes Quality Control aspect of the role involves performing research and analysis of Navy Federal account activity related to suspicious transactions, creating and maintaining Suspicious Activity Reports (SARs), and ensuring adherence to applicable federal and state laws, rules, and regulations.

Requirements

• Expert knowledge of applicable federal and state laws, rules, and regulations (e.g., Bank Secrecy Act, USA Patriot Act, and OFAC regulations).
• Experience in leading, guiding, and mentoring others.
• Expert knowledge of fraud and/or money-laundering trends and threats.
• Significant experience applying various analytical techniques to resolve fraud and identity theft.
• Extensive experience working with all levels of staff, management, stakeholders, and vendors.
• Ability to maintain confidentiality and demonstrate integrity.
• Effective skill in results-oriented leadership in a challenging environment.
• Expert skill managing multiple priorities independently and/or in a team environment.
• Expert skill assimilating information, analyzing facts, and developing logical conclusions.
• Expert skill exercising initiative and using good judgment to make sound decisions.
• Expert organizational, planning, and time management skills.
• Expert investigative, research, analytical, and problem-solving skills.
• Expert skill following, interpreting, and applying relevant data/instructions to guidelines.
• Expert active listening skills to accurately respond to inquiries and account requests.
• Expert skill building relationships through rapport, trust, diplomacy, and tact.
• Expert skill to influence, negotiate, and persuade to reach agreeable exchanges.
• Expert verbal and written communications skills.
• Expert word processing, spreadsheet, and presentation software skills.
• Bachelor's degree in Business Administration, Criminal Justice, Finance, or related field, or equivalent combination of education, training, and experience.

Nice To Haves

• Familiarity with Navy Federal products, services, programs, policies, and procedures.
• Experience in the field of anti-money laundering and/or risk management.
• Fraud or AML Certifications: Certified Fraud Examiner, Certified Anti Money Laundering Specialist, etc.

Responsibilities

• Perform complex research and analysis of Navy Federal account activity to identify red flags and suspicious activity.
• Conduct in-depth risk reviews and document enhanced due diligence, including activity trend analysis.
• Support Business Unit staff in complying with established BSA/AML policies and procedures.
• Maintain knowledge of BSA/AML history, regulations, and industry guidance.
• Support day-to-day OFAC operations and compliance analyses.
• Respond to ad-hoc OFAC related queries and provide subject matter expertise.
• Create and maintain Suspicious Activity Reports (SARs) associated with suspicious account activity.
• Identify, review, and report suspicious activity and risk exposure across various delivery channels.
• Ensure adherence to applicable federal and state laws, rules, and regulations.
• Monitor timeline from identification/notification of fraudulent/suspicious activity to closure.
• Create detailed reports of investigations including actions taken and results.
• Collaborate with other business units to understand transactions and identify risk potential.

Benefits

• Monday - Friday, 8:00AM - 4:30PM working hours.
• Location options: 820 Follin Lane, Vienna, VA 22180; 5510 Heritage Oaks Drive, Pensacola, FL 32526; 141 Security Drive, Winchester, VA 22602; 9999 Willow Creek Road, San Diego, CA 92131.

What This Job Offers

• Job Type: Full-time
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree