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About the Role
The Senior BSA Investigator is critical in detecting financial crime activity within Service Credit Union. This professional uses an expanding technology and investigative tool set to proactively detect fraud, money laundering, and other financial crimes. They operate in multiple systems simultaneously to build and interpret patterns of activity, detecting suspicious activity that might be missed by standalone systems.
Responsibilities
- Investigate the most complex AML and financial crime activity.
- Communicate with various involved parties internally and externally.
- Suggest AML program enhancements.
- Find and escalate data, process, or general issues to BSA department leadership.
- Review assigned alerts and reports generated through BSA/AML monitoring platforms.
- Interpret and analyze evolving patterns of behavior representing various types of suspicious activity.
- Investigate suspicious activity and prepare Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) for FinCEN.
- Monitor a real-time queue to ensure real-time OFAC surveillance is maintained and documented.
- Analyze patterns to detect and disrupt AML and Financial Crimes schemes.
- Conduct research into individuals, businesses, and locations online.
- Review consumer and business membership applications to detect fraudulent/suspicious account openings.
- Ensure compliance with Customer Identification Processes (CIP).
- Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk members.
- Communicate via phone and email with members.
- Participate in ongoing education and training to stay ahead of new patterns, regulation shifts, and technology capabilities.
- Work collaboratively across multiple lines of business.
- Communicate effectively with internal stakeholders supporting AML/BSA programs.
- Make member contact during investigations and reviews.
- Provide training to the BSA team and other teams on AML Compliance issues.
- Quality review SARs and CTRs for accuracy and thoroughness.
- Participate in special projects and meetings to enhance monitoring and detection.
- Recommend account closures and restrictions to BSA department leadership.
- Monitor follow-through on decisions to close accounts.
- Ensure policies and procedures are accurate and effective.
- Escalate concerns and improvements to the Bank Secrecy Act Officer.
- Maintain regular and reliable attendance.
Requirements
- Bachelor’s degree or prior experience in law enforcement or financial crime AML/BSA/Fraud positions required.
- Two years’ experience in financial and/or banking compliance such as AML, KYC, Fraud, Operations.
- Exceptional analytical, investigative, and effective communication skills across phone, email, and messaging platforms.
- High proficiency in Microsoft Office for data manipulation required.
- Experience with Fraud/AML Compliance monitoring and investigatory tools highly preferred.
- Experience with more complex financial crime investigations and direct interactions with customers/members preferred.
Skills
- AML
- BSA
- Fraud
- KYC
- OFAC
- CIP
- Microsoft Office
- Data manipulation
- Fraud/AML Compliance monitoring
- Investigatory tools
- Financial crime investigations
- Customer interaction
Location
- Rochester, NH
Work Type
- Hybrid
Experience Level
- Senior
Education Level
- Bachelor's degree
Salary/Compensations
- $26.93 - $30.00 per hour
About the Company
- It's fun to work in a company where people truly BELIEVE in what they're doing!
- We're committed to bringing passion and customer focus to the business.
- Members are the priority at Service Credit Union, and every role at the credit union is responsible for supporting member solutions and contributing positively to the member experience.