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About the Role
Responsible for supporting various tasks for the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Combating the Financing of Terrorism (CFT), Office of Foreign Asset Control (OFAC), and Fraud spaces within Pioneer. The BSA Associate will assist with supporting department operations through the compilation and analysis of reports in line with department policy and BSA regulation, performing data validations, and communicating BSA related information across all business lines as applicable. Ensures compliance with the Bank Secrecy Act/Anti Money Laundering (BSA/AML) and related laws and regulation.
Responsibilities
- Creates, reviews and analyzes various daily, weekly, monthly, quarterly and annual customer transaction reports for purposes of satisfying Bank Secrecy and Anti-Money Laundering regulatory requirements.
- Performs daily Customer Due Diligence review and follow-up.
- Performs daily Initial Risk Rating of New Accounts.
- Manages Monetary Instrument Reports.
- Assigns NAICS Codes.
- Performs Daily BAM Audit Log Review and Validations.
- Handles BAM Software Updates.
- Ensures compliance with FFIEC Guidance.
- Applies Rules Based Risk Rating.
- Performs 314(a) Scan and Review.
- Manages Drawing On Today’s Deposit Report.
- Manages Employee Overdraft Report.
- Performs Daily Overdraft Logging.
- Reviews keyword list scans.
- Manages CIP Reports.
- Assists the Financial Crime Investigator(s) with gathering additional documentation for investigations, organizing case files, tracking of fraud through the Bank, and review of suspicious activity.
- Assists with compliance exams by gathering files, records, and other pertinent information for review by compliance examiners.
- Assists other Financial Crime Compliance employees in tasks necessary to perform the overall management of the Program.
- Reviews and responds to incoming BSA-related inquiries from all other business lines.
- Identifies potential fraud and assists in the investigation of fraud as needed.
- Applies customer tags in BSA BAM+ software for rules-based risk rating.
- Performs annual enhanced due diligence reviews for high-risk customers.
- Maintains detailed documentation of all processes used to satisfy above activities.
- Uses independent judgment when reviewing and analyzing reports to determine when further investigation is warranted.
- Reports findings to BSA Officer for further action and direction.
- Identifies customer activity deemed suspicious or potentially fraudulent and assists Financial Crime Compliance Analysts and Investigators in preparing monthly reports for SAR Committee Review.
- Analyzes reports produced through BSA BAM+ software for further investigation and possible SAR filing.
- Reviews alerts generated by BAM+ Scenarios.
- Prepares SARs for BSA Officer Approval.
Requirements
- High School Diploma required.
- Minimum of 3 years banking experience preferred.
- Certified Anti-Money Laundering Specialists (CAMS) certification encouraged but not required.
- Knowledge of Banking Software preferably Horizon, Horizon XE, and/or Image Centre preferred.
- Knowledge of BSA monitoring software preferably BAM or BAM+ preferred.
- Above average organizational and communication skills with an ongoing sense of urgency to meet and exceed deadlines.
- Willing to work a flexible schedule when needed.
- Strong ability to analyze and report relevant data.
- Must maintain current industry knowledge and keep pace with BSA regulatory changes.
- Commitment to continuing education, attends related conferences and obtains related certifications as requested.
- Active participation in ongoing training to stay current with compliance regulations.
Skills
- Bank Secrecy Act (BSA)
- Anti-Money Laundering (AML)
- Combating the Financing of Terrorism (CFT)
- Office of Foreign Asset Control (OFAC)
- Fraud analysis
- Transaction monitoring
- Data validation
- Customer Due Diligence
- Risk analysis
- BSA BAM+ software
- Horizon
- Horizon XE
- Image Centre
- BAM software
Location
- Headquarters
Work Type
- Full Time
Experience Level
- 3 years banking experience preferred
Education Level
- High School Diploma
- Associate’s degree in Business, Finance, Criminal Justice or related field preferred
Salary/Compensations
- $21.00 – $32.60 per hour
About the Company
- Pioneer Bank will not discriminate in its employment practices due to an applicant’s race, color, creed, religion, sex (including pregnancy, childbirth or related medical conditions), sexual orientation, gender identity or expression, transgender status, age, national origin, marital status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.
- The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.
Equal Opportunity
- As an Equal Opportunity / Affirmative Action Employer, Pioneer Bank will not discriminate in its employment practices due to an applicant’s race, color, creed, religion, sex (including pregnancy, childbirth or related medical conditions), sexual orientation, gender identity or expression, transgender status, age, national origin, marital status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.
- The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.