BSA/AML Alert Analyst I

BSA/AML Alert Analyst - Capital City Bank - More than your bank, your banker

Hours Mon - Fri 8 a.m. - 5 p.m.

General Summary

The BSA/AML Alert Analyst is responsible for working within prescribed BSA/AML procedures to conduct Alert monitoring, respond to information requests and identify customers that pose a risk for money laundering and terrorist financing. This position will play a critical role in reviewing alerts produced by automated AML screening. This role analyzes and researches relevant data and escalates alerts and relevant information to applicable BSA/AML team members. The BSA/AML Alert Analyst compiles evidence and documentation in compliance with BSA/AML procedures and regulatory requirements.

All associates at Capital City Bank, Capital City Investments, Capital City Trust Company, Capital City Strategic Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities

• Complete the review of clients and transactions flagged by the Bank’s automated monitoring system, manual reports, and/or referrals in a timely manner.
• Conduct research using internal and external sources to help determine if escalation is warranted.
• Ensure annotations include a detailed disposition as to why an alert is being closed or escalated for further review.
• Retain strong records of all information relied upon to complete a disposition of an alert.
• Escalate potentially suspicious activity for further review.
• Escalate client profiles that require confirmation of high-risk agent designation to the EDD team.

Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, Capital City Investments, Capital City Trust Company, Capital City Strategic Wealth, and Capital City Home Loans, with department managers setting the standard.

Associated Duties

• Maintain a high degree of knowledge of appropriate BSA and OFAC related laws and regulations.
• Provides additional support to manager and department colleagues.
• Completes all assigned/required Bank training within established timelines.
• At management direction, will assist as needed to ensure production goals are met.

Knowledge, Skills and Abilities (KSAs) Required
The following KSAs are usually acquired through work experience and/or specialized course(s):

• Maintains strong oral and written communication skills.
• Maintains the ability to recognize patterns, trends and inconsistencies in transactional and customer data to detect, prevent, mitigate and report suspicious activity.
• Maintains an understanding of complex risk issues and customer risks such as money laundering, terrorist financing, and financial crimes.
• Is resourceful with research tools.
• Maintains solid analytical and problem-solving skills.
• Maintains a disciplined approach to review and documentation of alerts; attention to detail, structured approach to review and analysis of information.
• Maintains a thorough knowledge and understanding of OFAC, BSA/AML, and the USA PATRIOT Act along with knowledge of regulatory trends.
• Maintains working knowledge of a Bank operating environment and applicable systems, including Microsoft Office Suite.
• Must be able to understand, embrace and support action plans devised by BSA/AML Team Management.

Education

• Bachelor’s Degree in Finance, Business, Accounting, or related field, from an accredited college preferred. Relevant experience may substitute for the education requirement and at least 3 years of prior BSA/AML related experience preferred.

Working Conditions

• May be requested to work overtime.
• Must be able to sit for long periods.
• Must be able to look at computer screens for long periods.
• Must be able to type for long periods.
• Associate will review and sign Flex/Remote Policy and Guideline
• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.
• Positions approved for Hybrid Flex/Remote Work are determined by department manager and HR. All associates approved to participate in a Flex/Remote work schedule will review and acknowledge the guidelines outlined in the Hybrid Flex/Remote Work Policy.

Capital City Bank associates are our greatest asset. We offer the following benefits:

• Medical, Dental and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services

EOE/Protected Veterans/Disabled/Drug Free

The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Investments, Capital City Trust Company, Capital City Strategic Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.

Experience

• Please indicate work experience when applying.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor 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. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)