Senior BSA Compliance Analyst (AVP Level Depending on Experience)

Poppy Bank•Santa Rosa, CA

2d•$76,000 - $110,000•Onsite

About The Position

The Senior BSA Compliance Analyst (with potential AVP leveling based on experience) is responsible for supporting the Bank's Fraud, BSA, and AML Compliance Programs. The role involves investigating, detecting, and mitigating financial crime risks including potential fraud, structuring, money laundering, and terrorist financing. The position requires an individual who can work in an office setting, independently, and with minimal supervision. The analyst ensures compliance with all Bank policies and procedures as well as all applicable state and federal banking regulations.

Requirements

Minimum of 5-6 years of experience in BSA/AML, Fraud Investigations, or Financial Crimes Compliance.
Comprehensive understanding of applicable state and federal banking laws and regulations (BSA, AML, OFAC, USA PATRIOT Act).
Advanced knowledge of banking regulations, financial crimes compliance, and fraud risk management.
Proficiency with fraud identification and AML software, case management platforms, and Microsoft Office applications.
Excellent analytical, investigative, and critical-thinking skills.
Strong verbal and written communication skills.
Ability to work scheduled full-time hours, maintain regular attendance, and work in office.
Ability to multi-task in a fast-paced, deadline-driven environment.

Nice To Haves

Community banking experience.
Experience with Verafin.
Professional certification such as CAMS, CFE, CFCS, or CAFP.

Responsibilities

Support and enhance the Bank’s Fraud Program response, including day-to-day responsibilities, alert/case investigations and Financial Elder Abuse reporting.
Lead comprehensive Fraud investigations of escalated transactions-monitoring alerts and internal referrals.
Investigate and oversee cases of Elder Financial Exploitation (EFE), identify potential financial abuse, and coordinate with internal and external partners.
Investigate escalated alerts of potential suspicious activity and determine appropriate course of action.
Maintain and update Watch List information, review and respond to concerns about OFAC, SDN or other Watch List alerts.
Conduct secondary and peer reviews of Fraud investigations and filings.
Perform quality control reviews and certifications of BSA and Fraud functions, including case investigations, Suspicious Activity Reports (SARs), BSA/Fraud alerts, and Information Sharing Requests.
Assist with transaction testing, data validation, and the ongoing optimization of AML/Fraud software.
Gather documents and analyze documentation for high-risk and complex customer relationships.
Perform root cause analysis of identified data quality issues.
Contribute to the development and implementation of Fraud Risk processes, tools, policies, standards, and procedures.
Keep abreast of Fraud, BSA and AML related regulations and recommend business process improvements.
Mentor other less experienced staff.
Assist with regulatory examinations and audits.
Conduct in-depth due diligence reviews and prepare comprehensive reports on High and Moderate risk customers.
Validate and document customer’s Risk designation or mitigating factors.
Complete a minimum of 10 hours of CRA volunteer hours per year.