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About the Role

Community Federal Savings Bank (CFSB) is seeking a skilled Associate for the Continuous Activity Report (CAR) team within the Financial Intelligence Unit (FIU). This role involves conducting supplemental reviews of filed Suspicious Activity Reports (SARs) to determine if continuing suspicious activity warrants a Continuing Activity Report (CAR), managing the 90-day review cycle, and ensuring timely, accurate evaluations and documentation.

Responsibilities

Conduct supplemental reviews of subjects with prior SAR filings to assess whether suspicious activity has continued, ceased, or escalated, and determine whether a Continuing Activity Report (CAR) should be filed.
Manage the recurring 90-day continuing-review cycle, proactively tracking review due dates to ensure all FinCEN timing requirements and internal SLAs are met.
Prepare CARs and supporting case narratives, ensuring the accuracy and clarity of case summaries, the linkage to prior SAR filings, investigation findings, and recommended actions.
Document filing and no-file decisions with clear, well-supported rationale that withstands regulatory and audit scrutiny.
Proactively manage case management inventory to ensure all SLAs and review deadlines are adhered to.
Support the development and enhancement of procedures, guidelines, and workflows related to continuing-activity reviews and supplemental SAR reporting.
Identify trends across continuing-activity cases, working with leadership to develop strategies for addressing systemic issues, recurring typologies, or control gaps.
Collaborate and proactively propose efficiency ideas with open and transparent communication.
Stay updated on regulatory changes and AML/BSA typologies, ensuring continuing-activity review processes remain aligned with evolving compliance requirements.
Participate in special projects and initiatives to enhance the CAR review and filing process, strengthen related controls, and address other FIU priorities as needed.
Adapt to evolving priorities in a dynamic regulatory and operational environment.

Requirements

Strong knowledge of AML/BSA detection, investigation, and reporting processes, including SAR and continuing/supplemental SAR filing requirements and FinCEN guidance on continuing activity.
Ability to assess whether previously reported activity is ongoing, evaluate associated risk, and reach sound, well-documented filing determinations.
Strong attention to detail and ability to manage a high-volume, deadline-driven review pipeline without compromising quality.
Proficient in Microsoft Office Suite (Word, Excel, PowerPoint) or related software.
Strong analytical, organizational, and problem-solving skills.
Excellent verbal and written communication skills, with the ability to write clear and defensible case narratives.
Ability to work both independently and collaboratively in a team environment.

Skills

AML/BSA detection
AML/BSA investigation
AML/BSA reporting
SAR filing
Continuing SAR filing
Supplemental SAR filing
FinCEN guidance
Risk assessment
Documentation
Microsoft Office Suite
Analytical skills
Organizational skills
Problem-solving skills
Verbal communication
Written communication
Case narrative writing
Independent work
Team collaboration

Location

New York City
Remote in 22 select states

Work Type

Fully remote
Hybrid

Experience Level

Minimum of 3 years of experience in Compliance, Audit, or Internal Controls
Direct SAR investigation and/or filing experience strongly preferred

Education Level

Bachelor's degree in Business, Finance, Risk Management, Compliance, or related field; or equivalent work experience
Professional certification (e.g., CAMS, CFE) is a plus

About the Company

Community Federal Savings Bank (CFSB) is a federally chartered bank founded in 2001 and headquartered in New York City.
CFSB offers a full range of banking services including ACH settlement services, pre-paid card issuance, and retail banking.
The bank services various types of money service businesses and FinTech companies.
CFSB has focused on providing superior service and added value to clients though a solid understanding of relationship banking.
We offer a full range of services, including loans, bill payments, card services, internet banking, and merchant processing.

Equal Opportunity

We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, military and/or veteran status, or any other Federal or State legally-protected classes.