Senior BSA Specialist Full Time NEW

About The Position

Requirements

• High School Diploma or equivalent
• 3-5 year of experience in BSA AML support related area
• Advanced knowledge of BSA/AML regulations, including SARs, CTRs, OFAC, CDD, and EDD.
• Strong investigative, analytical, and decision‑making skills.
• Excellent written communication, particularly for SAR narratives.
• Ability to exercise sound judgment and escalate issues appropriately.
• Strong organizational skills and ability to manage complex workloads.
• Proficient in BSA/AML systems and Microsoft Office (word processing, spreadsheets, and database systems), Outlook, Teams

Nice To Haves

• Associates or bachelor’s degree in business related field.
• 2 to 5 years of experience in Nasdaq Verafin BSA AML technology.
• Professional certification in BSA/AML, fraud, or regulatory compliance (e.g., CAMS, CFE, CRCM).

Responsibilities

• Conduct in‑depth investigations of complex or high‑risk alerts, referrals, and customer activity.
• Determine whether activity meets the criteria for Suspicious Activity Report (SAR) filing.
• Prepare, review, and file SARs with thorough, well‑supported narratives that meet regulatory expectations.
• Review and provide quality control on investigations completed by junior analysts, as assigned.
• Perform and oversee EDD reviews for high‑risk customers, including businesses, MSBs, and other elevated‑risk relationships.
• Assess customer risk, transaction behavior, and mitigating factors.
• Recommend risk ratings, account monitoring enhancements, or exit strategies when appropriate.
• Serve as a resource for complex CTR scenarios and aggregation questions.
• Review and resolve escalated OFAC sanctions alerts and potential matches.
• Ensure CTR and OFAC processes are performed accurately and in compliance with regulatory requirements.
• Act as an escalation point for branch and department questions related to BSA/AML, CTRs, OFAC, and unusual activity.
• Provide guidance and education to branches to promote consistent and compliant practices.
• Maintain professional, solution‑oriented communication across all lines of business.
• Assist with internal audits, regulatory exams, and independent testing.
• Help ensure BSA policies, procedures, and controls are effectively followed.
• Identify process improvements and contribute to strengthening the overall BSA/AML program.
• Provide training, guidance, and mentoring to BSA Analyst I and II staff.
• Assist with onboarding and development of new team members.
• Model strong work ethics, accountability, and attention to detail.
• Represent Guaranty Bank professionally, efficiently, and tactfully.
• Acknowledge and greet customers with a smile, call customer by their name, ask if they need any additional assistance, thank customer at end of every conversation—both internal and external.
• Ensure continuing development of professional relationships with management and colleagues.
• Answer and assist incoming callers with questions and requests, subsequently route callers, as appropriate.
• Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, the Federal Reserve’s “lettered” regulations, and Senior BSA Specialist roles and responsibilities relating to each act.
• Follow bank policies and procedures.
• Assist other departments as needed.
• Perform other duties that may be assigned and requested.