Description

SUMMARY:

Under the general supervision of the BSA Officer, this position performs various assignments related to the Bank’s Bank Secrecy Act Program (BSA) and anti-money laundering (AML) functions. This position is primarily responsible for daily money laundering and fraud prevention activities of the Bank and requires a thorough and accurate review of BSA-related filings and reports. Additionally, tasks relating to suspicious activity filing and compliance with BSA regulatory requirements will be necessary for inclusion into daily duties. 

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Assists with internal operational, financial, and compliance audits, to determine whether controls are adequate and effectively maintained in accordance with Bank policies and procedures for general regulatory compliance.
• Collects audit data, analyzes, and compiles results for review by the BSA Officer.
• Documents internal control deficiencies and regulatory exceptions and notifies the BSA Officer of identified areas needing improvement or correctional training.
• Assist with internal BSA audits to determine whether controls are adequate and effectively maintained in accordance with Bank policies and procedures. Collect data and compile results. 
• Notify the BSA Officer of activity requiring the filing of Suspicious Activity Reports. Under the supervision of the BSA Officer, investigates, prepares, and submits SARs within the BSA/AML model.
• Assists with the gathering of information for external audits and regulatory examinations. 
• When requested to do so, acts as a resource for branches, departments, and management.
• Assists and performs clerical and other related duties as assigned, in support of the administrative work of the Risk Management Department.
• Keeps abreast of current issues and areas of risk and BSA, and appropriately focuses attention/identification on areas that pose higher risk. Participates in necessary education and training to attain essential knowledge and information to meet designated duties and expectations.
• Provide direct instruction to branch staff regarding the use of the BSA/AML model in the completion of CTRs, SAR referrals, MIL, and other BSA-related matters. 

Requirements

QUALIFICATIONS:

Required Education, Experience, and Knowledge: 

· 5 years of banking experience and 2 years of direct experience with BSA.

· Good working knowledge of BSA/AML requirements and regulatory compliance issues.

· Good understanding of industry trends, suspicious activity reports, and currency transaction reports filing.

· Good judgment in identifying fraudulent activity and analyzing system-generated fraud alerts.

Other Job Requirements: Skills, Abilities, Competencies:

· Basic accounting skills with mathematical aptitude and Excel spreadsheet skills.

· Must be proficient in the use of personal computer systems, internet applications electronic mail, and various Windows-based software applications including, but not limited to, banking application software, Word, and Excel.

· Observe the highest degree of confidentiality in handling information received while discharging responsibilities.

· Initiative-taker able to work without constant supervision.

· Able to provide positive guidance regarding regulatory requirements to other personnel.

· Demonstrates strong people skills to communicate effectively with officers and frontline staff.

· Good verbal and written communication skills.

· Ability to work within prescribed time limits.

· Ability to manage workload with multiple time limits and changing priorities.

· Ability to make independent decisions under minor supervision of the BSA Officer.

Supervisory Responsibilities:

· None

Language Skills:

· Strong verbal and written communication skills.

Mathematical Skills:

· Basic accounting skills with mathematical aptitude.

Computer Skills:

· Good working knowledge of spreadsheet and word processing software, e-mail programs, and use of Internet resources.

Business Acumen:

· Displays orientation to profitability; aligns work with strategic goals.

Analytical: 

· Uses logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems. Synthesizes complex or diverse information; gathers information, researches data from appropriate sources, and interprets data; uses intuition and experience to complement data.

Cost Consciousness:

· Works within approved budget; develops and implements cost-saving measures; contributes to profits and revenue; conserves organizational resources.

Diversity: 

· Shows respect and sensitivity for cultural differences.

Ethics: 

· Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethics; upholds organizational values.

Adaptability:

· Adapts to changes in the work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays, or unexpected events.

Benefits

401(k)

Medical

Dental

Vision

Life

PTO

 Salary: $51,665.30 - $69,902.10

United Security Bank conforms to all the laws statutes and regulations concerning equal employment opportunities, and affirmative action. We strongly encourage women, minorities, individuals with disabilities, and veterans to apply to all our job openings.

We are an Equal Opportunity Employer, who fully and actively supports equal access for all qualified applicants, regardless of race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability status, Genetic Information or Testing, individual reproductive health decision making, Family & Medical Leave, protected veteran status, or any other characteristic protected by law, and we strongly prohibit retaliation against individuals who bring forth any complaint, orally or in writing, to the employer or the government, or against any individuals who assist or participate in the investigation of any complaint or otherwise oppose discrimination. It is our goal to increase diversity in our workplace and to provide the best work environment possible. 

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