Senior BSA/AML Analyst

BayFirst National Bank•St. Petersburg, FL

8h•Onsite

About The Position

BayFirst National Bank is a full-service community bank dedicated to providing a wide range of high-quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one-stop shop and trusted financial resource for the communities that we serve. Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.

Requirements

A minimum of 5+ years experience in CDD/EDD, KYC, BSA/AML investigations, and financial crimes is required.
Minimum 2-3 years hands on Verafin experience working in Verafin including alert review, case investigation documentation, workflow management, risk rating support, high risk customer monitoring, and dashboard/ report utilization.
Strong analytical, investigative, and documentation skills.
Excellent written and verbal communication skills.
Strong attention to detail and organizational discipline.
Ability to work independently while managing multiple assignments.
Proficiency with Microsoft Office and investigative research tools.
High professional integrity and confidentiality.
Strong critical-thinking and risk awareness mindset.
Quality-focused, disciplined, and accountability driven.

Nice To Haves

Associate’s Degree or equivalent experience preferred.
Experience supporting Verafin tuning, governance and enhancement preferred.

Responsibilities

Conducting comprehensive Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), KYC verification, and ongoing high risk customer reviews while supporting investigative case work, suspicious activity monitoring, and Verafin driven alert and case investigations.
Strengthening the Bank’s CDD/KYC controls and documentation standards through strong analytical skills, disciplined processes, effective utilization of Verafin, and quality control review activities to ensure alignment with regulatory expectations and timely execution of CDD/EDD, investigative, and monitoring activities.
Performing initial and ongoing CDD and EDD reviews utilizing Verafin, internal systems, and external data sources to validate identities, business purpose, beneficial ownership, risk ratings, and documentation completeness.
Analyzing customer risk profiles and behavioral indicators to identify higher risk relationships and escalates appropriately.
Conducting investigative research to verify KYC data, source of funds, business activities, and relevant risk factors.
Ensuring CDD/EDD reviews are accurate, well documented, timely, and risk based, and aligned with FFIEC guidance and Bank policy.
Conducting Verafin alert reviews and case investigations, performs detailed analysis, documents findings, and escalates appropriately.
Supporting SAR decisioning by developing clear investigative summaries, documenting conclusions, and presenting risks to BSA leadership.
Performing triage, monitoring workflow queues in Verafin, and ensuring timely review completion in accordance with program standards.
Performing quality control review of CDD/EDD files, Verafin case documentation, and KYC records to ensure accuracy, completeness, consistency, and regulatory compliance.
Identifying deficiencies, documentation gaps, or procedural weaknesses and supports corrective actions, remediation efforts, and validation.
Maintaining structured logs, records, and case documentation aligned to OCC and FFIEC expectations and Bank requirements.
Supporting ongoing monitoring of high-risk customers and Verafin-driven review cycles.
Maintaining strong working knowledge of BSA/AML, USA PATRIOT Act, KYC/CDD regulatory expectations, Verafin functionality, and OFAC requirements.
Supporting regulatory exams, internal/external audits, and remediation initiatives through documentation preparation and response support.
Providing support for SAR decisioning and CTR process continuity, including documentation and quality review.
Supporting departmental initiatives, reporting needs, process enhancements, and program maturity efforts.
Providing excellent internal support, responding professionally and timely to inquiries.
Assisting in training team new team members on Verafin alert handling, CDD/EDD/KYC documentation standards, and high-risk monitoring expectations.