Senior BSA Analyst

BANK FIRST • Manitowoc, WI

4d • Onsite

About The Position

This senior-level position is responsible for conducting and leading complex BSA/AML and fraud investigations, ensuring regulatory compliance, supporting multi-state operations, and mentoring junior analysts. The Senior BSA Analyst serves as a subject matter expert within the BSA function and contributes to the Bank’s safe and sound growth by identifying, assessing, and mitigating financial crime risk.

Requirements

• Bachelor’s degree in a related field or 5-10 years of experience in Banking or Other Financial Services
• Minimum 5+ years of experience in BSA/AML and/or Fraud Investigations
• Strong working knowledge of the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC regulations, and Customer Due Diligence (CDD)
• Experience with transaction monitoring and case management systems.
• Strong analytical writing and documentation skills.
• Ability to exercise sound, independent judgement with limited supervision.

Nice To Haves

• A passion for all things related to Financial Crimes Compliance
• CAMS, CFE, CFCS, or equivalent professional certification preferred but not required.

Responsibilities

• Conduct complex BSA/AML investigations, including high-risk customer activity, unusual transaction patterns, and multi-account relationships.
• Prepare, review, and file Suspicious Activity Reports (SARs) ensuring timeliness, accuracy, and strong regulatory documentation.
• Perform advanced Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews, particularly for higher-risk customers and commercial relationships.
• Conduct ongoing reviews of customer risk ratings and ensure alignment with the Bank’s risk-based approach.
• Oversee accurate and timely preparation of Currency Transaction Reports (CTRs).
• Prepare and review Designation of Exempt Persons (DOEP) and conduct annual exemption reviews.
• Review and disposition complex transaction monitoring alerts beyond initial triage.
• Provide oversight and quality assurance of alert dispositions completed by junior analysts.
• Recommend enhancements to monitoring parameters and investigative processes to support a growing multi-state institution.
• Assist in maintaining documentation standards to ensure regulatory defensibility.
• Support regulatory examinations and internal audits, including preparation of documentation and responses to examiner inquiries.
• Contribute to the BSA/AML and OFAC risk assessments, particularly as the Bank expands products, services, and geographic footprint.
• Assist the BSA Supervisor in updating policies and procedures to reflect regulatory changes and operational growth.
• Serve as a liaison between BSA Compliance and other departments, providing guidance and training to enhance first-line awareness.

Benefits

• Career growth is supported through training, mentoring, and advancement opportunities
• Flexibility allows you to balance work and life without compromise
• Contributions directly impact guests and communities you care about
• Culture built on respect, collaboration, and empowerment

What This Job Offers

• Job Type: Full-time
• Career Level: Senior