Financial Crimes Investigator II

POSTION SUMMARY: The Financial Crimes Investigator II will be a member of the Enterprise Risk and Compliance Team and report directly to the Financial Crimes Investigations Manager. This job has no supervisory responsibilities.

• Decisions assigned enterprise-wide transaction monitoring, inclusive of Unusual Activity Referrals, and sanctions alerts according to BSA/AML Department procedures.

• Investigates transactions/scenarios/customer behavior and analyzes complex financial patterns in accordance with BSA/AML Department procedures for potential SAR filings.

• Drafts SAR narratives in accordance with BSA/AML Department procedures for complex financial crime typologies inclusive of but not limited to scenarios emanating involving Factoring and Payments.

• Performs legal process and information sharing investigations according to BSA/AML Department procedures.

• Performs trend analysis of negotiable instruments.

• Performs quarterly Letter of Credit review.

• Analyzes ACH returns for potential suspicious activity.

• Serves as back up for Enhanced Due Diligence reviews.

• Participates in BSA/AML/CIP/OFAC quality control reviews, audits, and exams by compiling requested items and producing various reports.

• Successfully completes foundational BSA/AML training and/or certification.

• Participates in meetings necessary to promote efficiency and prioritizing of tasks across the Enterprise Risk Management Team.

• Provides BSA/AML Back Office Support for the Retail line of business.

• Partners with various lines of business in an effort to fully understand customer relationships.

• Maintains a current understanding of BSA/AML money laundering and terrorism financing issues.

• Maintains strict confidentiality over customer information.

• Other duties as assigned.

• Associate's degree (required). Bachelor's degree (B.A.) preferred.

• Two years related experience and/or training; or equivalent combination of education and experience.

• Knowledge of BSA/AML/USA Patriot Act/OFAC/CIP regulatory requirements for financial institutions

• Strong writing, analytical, and communication skills, and must be able to multi-task and complete projects on time.

• Should be an organized, detail-oriented, self-starter with the ability to work independently or in teams, without supervision.

• Strong Technical Skills and proficiency in launching applications and maneuvering in a Windows based environment.

WORK ENVIRONMENT

• The work environment characteristics described here maybe encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e. business office with computers, phone, and printers, light traffic).

• Ability to work in a confined area.

• Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary.

• While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone.

• Specific vision abilities are required by this job due to computer work.

• Light to moderate lifting is required.

• Regular, predictable attendance is required.

• Add any travel or other physical requirements, as needed

• Proficient in spreadsheet (formula usage and pivot tables) and database reporting applications; Microsoft Office Suite/internet navigation skills including proficiency with internet search engines.

• Ability to understand and analyze specific transactions and trends within customer accounts.

• Fundamental knowledge of general banking principles, philosophies, and operations.

• Ability to establish and maintain effective work relationships both internally and externally.

• Ability to adjust to a rapidly changing environment.

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