BSA Specialist

Description

 Must be a current resident of New Mexico or fully relocated to the state by the first day of employment. 

The BSA Specialist I supports the credit union's BSA/AML, OFAC, and fraud prevention programs by reviewing transaction activity, investigating alerts, monitoring regulatory reporting requirements, and identifying suspicious or reportable activity. This role ensures compliance with applicable regulations through timely investigations, accurate documentation, risk mitigation efforts, and collaboration with internal and external stakeholders. 

Join Our Team at Del Norte Credit Union! 

We’re more than a financial institution, we’re a community. Guided by our mission of Improving Lives and vision of being Authentically New Mexico, we embrace Del Norteño Pride, reflecting our commitment to community, culture, and connection. Recognized as a Platinum-Level Family Friendly Business, we value People Focus, Collaboration, and Continuous Learning.

Location: 

Midtown Branch in Santa Fe, NM.  Hybrid work is possible with approval from supervisor and will be subject to change based on the needs of the organization or department.  

Essential Functions & Responsibilities:

• Analyze financial data to detect, identify and escalate potential suspicious or high-risk activity from an AML/AFC perspective: utilizing BSA/AML transaction monitoring platforms. 
• Process and file Currency Transaction Reports (CTRs) accurately and within regulatory timeframes.
• Review daily reports, including financial activity, shared branching, monetary instrument logs, and potential CTRs, to identify suspicious or reportable transactions.
• Manage FinCEN Section 314(a) requests, upload screening lists, and review screening results for appropriate action.
• Conduct OFAC sanctions screening of individuals and entities, resolve false positives, escalate confirmed matches, and document results accurately.
• Maintain accurate alert and case documentation, update case management systems, and ensure timely recordkeeping.
• Communicate investigative findings and coordinate with internal stakeholders to support risk mitigation efforts with a high degree of confidentiality.
• Support BSA/AML and fraud risk initiatives, internal controls, and regulatory compliance requirements.
• Build and maintain professional relationships with internal teams and external partners; respond to inquiries in a timely and professional manner.
• Abide by all applicable regulations and department practices.

Performance Measurements

Competencies:
People Focus - Level 1 (Core)
Collaborating with Others - Level 1 (Core)
Continuous Learning - Level 1 (Core)
Corporate Governance - Level 1 (Job-specific)
Fraud Detection and Control - Level 2 (Job-specific)
Writing Skills - Level 2 (Job-specific)
Analytical Thinking - Level 2 (Job-specific)
Attention to Detail - Level 2 (Job-specific)

Salary:

Level I: $22.83 – $28.54 per hour

New hires are typically brought in between the range minimum and maximum based on qualifications, internal equity, and budget

Benefits: 

• Medical, Dental, and Vision Insurance with Del Norte covering up to 85% of employee insurance premiums
• Flexible Spending Account
• 401(k) with up to a 7.5% company match
• Company-paid Life Insurance and Disability coverage for eligible employees
• Generous PTO, sick leave, paid holidays, volunteer hours, and Mental Health Days
• Employee Assistance Program with free counseling resources
• Tuition reimbursement
• Wellness benefits including a free gym membership 
• Employee loan and banking discounts
• Flexible Spending Account
• Ongoing learning and development opportunities.
• Spanish Speaking Incentive

Requirements

Experience:

One year to three years of similar or related experience.

Education: 

(1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

BSA Certification with America's Credit Union required or ability to obtain in 12 months of hire.

Interpersonal Skills: 

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills:

Anti-Money Laundering (AML) (Intermediate)
Bank Secrecy Act (BSA) (Intermediate)
Office of Foreign Assets Control (OFAC) Regulations (Intermediate)
Reporting Requirements (Intermediate)
Suspicious Transaction Reporting (STR) (Intermediate)

Physical Requirements:

This position is primarily sedentary and requires the ability to remain seated or standing for extended periods while operating a computer and other office equipment. Manual dexterity is needed for typing, using a mouse, and handling documents. The role may involve occasional reaching, bending, or manipulating objects, as well as light lifting of up to 15 pounds. Visual and auditory acuity are required for reading documents, creating content, and communicating effectively. Reasonable accommodations will be provided to enable individuals with disabilities to perform essential job functions.

Work Environment:

Work is primarily performed in a professional office setting. The environment is generally quiet to moderate in noise levels and involves regular interactions with peers, vendors, community partners and the public. The role requires occasional travel between office locations and may include periodic extended hours to meet project deadlines or support events. Employees may experience occasional exposure to outdoor conditions while traveling or attending events.