Financial Crimes Risk Analyst

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Job Description

Ensures the Bank's compliance with the applicable aspects of the Bank Secrecy Act, USA Patriot Act and OFAC, and Anti-Money Laundering regulations.

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Summary: Assists in ensuring the Bank’s compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering activity, financial crimes and/or terrorist financing.  The FCRM Analyst will assess the financial crimes risk of customers so as to ensure compliance with the myriad of Bank Secrecy Act (BSA), Anti-Money Laundering (AML) regulations related to customer identification procedures (CIP), customer due diligence (CDD), procedures for enhanced due diligence (EDD), and beneficial ownership (BO).

Duties and Responsibilities include the following:

• Performs scheduled Enhanced Due Diligence (EDD) reviews of accounts deemed as high risk, including but not limited to Money Service Businesses (MSBs), Marijuana or cannabis-related or cannabis-adjacent related businesses (MRBs), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PSPs), Non-Resident Alien (NRA), privately-owned ATM operators (POATMs), Crypto-Currency, etc.; documents EDD monitoring and tags accounts appropriately in Verafin
• Accurately analyzes transactional account trends and patterns, identification documentation to efficiently document a conclusion upon completion of EDD reviews of high risk customers. Makes recommendations to accept high risk, mitigate to medium/moderate risk, or refer for account closure
• Provides updated information to the appropriate Financial Crimes Risk Manager for updating/revising procedures for the handling of newly identified high-risk customers, to include the proper method to review such accounts and to report suspicious activity, document relationships and/or recommendation of account closure if deemed necessary
• Reviews reports in Verafin to determine if there are NGO (Non-Government Organizations), MRBs (Marijuana-Related Businesses), or MSB (Money Services Businesses) unidentified in the BSA system. Adds tags and comments as needed
• Evaluates transactional activity in accounts identified as Privately Owned ATMS (POATMs) or MSBs to determine any unusual patterns or lack of cash activity based on trends
• Stays up-to-date on MSB and MRB requirements for Louisiana, Mississippi and Texas, Alabama, and Florida as well as federal guidelines
• Communicates with applicable bank personnel to obtain any further documentation and/or information necessary to complete the investigations or reviews of high risk accounts
• Tracks documentation required on all MSBs and directly works with retail and lending employees to resolve any exceptions
• Processes alerts in Verafin that reflect any Privately-Owned ATM type transactions for accounts not previously identified as POATM owners
• Adds comments to new Remote Deposit Capture  (RDC) accounts in Verafin with risk rating assigned
• May be assigned alerts in Verafin for red flags or new account scenarios and others as assigned to review and determine if the alert can be cleared or needs further investigation
• Utilizes a variety of internal bank systems and external research tools to investigate, research, and prepare documentation related to anti-money laundering investigations
• Develops an understanding of the industry and AML related regulations, as well as patterns of behavior that represent suspicious activity
• Stays up-to-date on current and new policies and regulations as they relate to anti-money laundering schemes and characteristics
• Supports any special projects or critical casework regarding BSA/AML matters

Supervisory Responsibilities

This job has no supervisory responsibilities.

Competencies - To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Design – Strong problem solving and analytical skills required to succeed in this job; Strong technical troubleshooting skills and ability to juggle simultaneous complex projects.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations; Uses reason even when dealing with emotional or confidential topics.

Interpersonal Skills/Customer Service - Maintains confidentiality; Remains open to others' ideas and tries new things; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Able to read and interpret written information.

Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values.

Judgment and Motivation - Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Quality and Quantity – Demonstrates accuracy and thoroughness; Completes work in timely manner.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university preferred; minimum three years of banking experience required including recent bank BSA compliance experience within the last 12 months; or equivalent combination of education and experience.

Certifications

Certified Anti-Money Laundering Specialist (CAMS) and/or Certified AML and Fraud Professional (CAFP) certification preferred or willingness to obtain within a specified time (1 year).

Computer Skills

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel.  Ability to learn bank-specific software such as Verafin, IBS (Core), IBS (Teller Insight),  etc.   

Other Skills

Maintains proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act, USA Patriot Act, and OFAC as well as the bank’s policies and procedures.  Understands how to operate all systems and software programs used to obtain customer information, transaction history, and archive reports used to gather information for the BSA program.

Bank Culture/Customer Service Skills

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Physical Demands  

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment  

The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion.

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Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights