Sr BSA Analyst

Cornerstone Home Lending•Houston, TX

2d•$85,000 - $95,000•Onsite

About The Position

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company dedicated to helping families, businesses, and communities thrive. Guided by a core Mission, Vision and Convictions statement, Cornerstone operates 17 full-service banking locations across major Texas markets and more than 150 mortgage offices nationwide. The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace. Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history. We are seeking a highly experienced Senior BSA/AML Analyst to join our Bank Secrecy Act Compliance Team. In this role, you will serve as a subject matter expert responsible for identifying, investigating, and reporting suspicious activity in accordance with applicable laws and regulatory guidance. You will play a key role in strengthening our enterprise-wide AML program.

Requirements

5–8+ years of BSA/AML compliance experience at a bank, credit union, or financial institution
Proven SAR writing and investigation experience
Solid understanding of the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, and FinCEN guidance
Experience with transaction monitoring platforms (e.g., Verafin, NICE Actimize, SAS)
Bachelor's degree in Finance, Business, Criminal Justice, or a related field

Nice To Haves

Experience at a bank in the $5B–$20B asset range
CAMS-Audit, CAMS-FCI, or CFE certification
Familiarity with OCC Heightened Standards or FFIEC BSA/AML Examination Manual
Knowledge of commercial banking, correspondent banking, or trade finance typologies
Experience supporting regulatory exams or internal audits
Advanced Excel or data analytics skills (SQL, Power BI)

Responsibilities

Conduct complex investigations of suspicious activity alerts generated by transaction monitoring systems and prepare high-quality Suspicious Activity Reports (SARS) in accordance with FinCEN requirements.
Perform Enhanced Due Diligence (EDD) reviews on high-risk customers including PEPs, MSBs, and foreign financial institutions.
Monitor and analyze customer transaction activity for indicators of money laundering, fraud, structuring, and other financial crimes.
Assist in the development, testing, and tuning of AML transaction monitoring scenarios and rules.
Support BSA/AML risk assessments and coordinate responses to regulatory examinations (OCC, Federal Reserve, FDIC).
Mentor and provide day-to-day guidance to junior and mid-level BSA analysts.
Collaborate with retail banking, commercial lending, and wealth management on BSA-related issues and escalations.
Stay current on evolving AML typologies, regulatory guidance, and industry best practices.
Contribute to the BSA/AML policy and procedure review and update cycle.