BSA Fraud Analyst III

Job Summary The BSA Fraud Analyst III is responsible for evaluating and concluding on potential suspicious activity that has been escalated through the bank’s alert monitoring system or referred by other departments, and for preparing information for Suspicious Activity Report (SAR) filing.

This role will also be assigned areas of specialization in support of the bank’s Bank Secrecy Act (BSA), Customer Identification Program (CIP), and Office of Foreign Assets Control (OFAC) programs. Key Responsibilities / Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Evaluate potential suspicious activity escalated through new cases, 90-day SAR reviews, and Internal SAR (ISAR) reviews.
• Participate (in varying levels based on experience) in the process of concluding on suspicious activity and drafting SARs for review and filing.
• Participate (in varying levels based on experience) in the process of determining and recommending additional next steps in response to fraud or suspicious activity, including disabling services, closing accounts, and contacting law enforcement or adult protective services.
• Independently manage specialties assigned by the BSA Officer, including OFAC compliance, CIP and customer due diligence, currency transaction report (CTR), SAR quality control, departmental data reporting, and fraud case manager, demonstrating ownership of the timeliness and effectiveness of each function.
• Perform any regular quality control, compliance tests, risk assessments, or management reporting associated with assigned specialties.
• Serve as a subject matter expert for regulatory topics associated with areas of specialty, responding to questions from the field and serving on any bank projects impacting the area of specialty.
• Effectively document reviews, research, and conclusions in defense of decisions and recommendations.
• Act as a backup and remain current on all responsibilities associated with the BSA Fraud Analyst I and II position.
• Provide support to BSA Fraud Analyst I and II when the BSA Officer / BSA AML Fraud Manager is unavailable.
• Manage daily tasks and longer-range projects according to agreed upon schedule and keep BSA Officer updated on progress and status.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
• Complete all mandatory annual compliance training.
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering and other unlawful activities, as well as regulation pertaining to lending and consumer compliance to include fair lending laws.
• Perform other duties and special projects as assigned.  Job Requirements Education :
• Highschool diploma or equivalent.  Required :
• 5 years of total experience with 3 years in BSA / Fraud or an equivelnt combination of education and experience.
• Thorough knowledge of money laundering and / or fraud scenarios such as but not limited to terrorist financing, human trafficking, elder financial exploitation, check kiting, and other various fraud schemes.
• Requires continuous exercise of judgment following broad guidelines.

Identifies and selects complex choices of action where standard practices may not exist.

Must be able to accommodate detailed work, problem solving, reasoning, math, presentations, verbal communication, written communication, analytical reasoning, training others, multiple concurrent tasks and constant interruptions.

Learn more at www.htb.com.

Apply today to take your first steps towards joining this talented population of employees within a growing organization.  Work Environment, Physical Requirements   The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.  HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations.

Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law. 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)