Head of BSA (Hybrid, Remote)

At Emprise Bank, everything we do is focused on empowering people to thrive. We proudly work to provide an extraordinary customer experience to help our customers achieve their goals.

We are currently seeking a Head of BSA to join our team. The Head of BSA will work closely with various departments to identify, investigate, and mitigate potential risks related to money laundering, terrorist financing, and other fraudulent activities with a specific focus on Banking as a Service, card programs, and fintech sectors.

This position is eligible for a Hybrid schedule in Wichita, KS and surrounding areas.  Remote in South Dakota, Utah, Oklahoma, Missouri, Louisiana, and Nebraska.

A successful candidate will have:

• Strong knowledge of BSA/AML regulations and fraud prevention techniques.

• Excellent analytical and investigative skills. 

• Strong communication and interpersonal skills. 

• Ability to work independently and as part of a team. 

• An understanding of and commitment to our values

Essential functions of the role:

BSA/AML Compliance 

• Develop, implement, and maintain the BSA/AML compliance program. 
• Conduct risk assessments and develop strategies to mitigate identified risks. 
• Oversee monitoring and analyzation of transactions for suspicious activity. 
• File Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) as required. 
• Ensure compliance with all applicable BSA/AML regulations and guidelines. 
• Conduct regular training for staff on BSA/AML compliance and fraud prevention. 
• Lead, maintain, update, and oversee the BSA/AML/OFAC systems and models. 
• Train the organization on key BSA/AML/OFAC risks. 

Fraud Prevention and Detection 

• Develop and implement fraud prevention strategies and controls. 
• Oversee investigation of potential fraud cases and coordinate with law enforcement as necessary. 
• Monitor and analyze transactions for signs of fraud. 
• Maintain and update fraud detection systems and tools. 
• Provide guidance and support to staff on fraud prevention and detection. 
• Lead and develop fraud policies and strategies proactively to minimize fraud risk while maintaining satisfactory customer experience. 
• Provide oversight of the enterprise fraud program to all operational risk requirements that intersects with fraud and prevention such as supporting model risk management, business change, payment risk, and loss event/root cause reporting. 
• Lead, develop, implement, and monitor strategies/systems for the minimization of fraud across the organization. 
• Lead, maintain, update, and oversee the Fraud systems and models. 

Card Program and Fintech Expertise 

• Analyzes high risk counterparties, reputational risks, and politically exposed persons ("PEP"). 
• Manages an effective AML/Fraud/Risk monitoring program for ACH and Card Processing business lines. 
• Develops the BSA/AML/KYC/KYB program to recognize and address merchant onboarding, training requirements for staff and clients. 
• Comprehends business, regulatory compliance obligations for payment processors as well as MSBs and safeguard functions being performed inside those obligations. 
• Maintains real time awareness on regulatory changes and landscape as well as the evolving trends of establishing identity in a digital environment. 
• Builds, oversees, and monitors a program that ensures compliance with all payment processing regulations and rules governing this respective sector. 

Other 

• Develop and maintain BSA/AML and fraud prevention policies and procedures. 
• Prepare and present reports on BSA/AML compliance and fraud prevention activities to senior management and the board of directors. 
• Serve as the primary point of contact for regulatory agencies on BSA/AML and fraud-related matters. 
• Coordinate and manage BSA/AML regulatory examinations and audits

• Bachelor’s degree in finance, accounting, business administration, or a related field. 
• Minimum of 5 years of experience in BSA/AML compliance and fraud prevention in the banking industry, minimum of 15 years of financial institution experience; 10 years of, BSA/AML/OFAC, fraud, or risk management experience. 
• Professional certifications such as CAMS (Certified Anti-Money Laundering Specialist) or CFE (Certified Fraud Examiner) are preferred 

In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success. We also offer shift differential pay for bilingual candidates!

At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA , veterans, and persons with disabilities are encouraged to apply.

To learn more, please visit our website at www.emprisebank.com.

Emprise Bank is an EEO/AA/ADA/Veteran Employer/Member FDIC/Drug Free Workplace.

Emprise Bank participates in E-Verify and will provide your Form-I 9 to the federal government to confirm authorization to work in the United States.