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BSA/AML Investigator, Assoc II (Alert Investigations Unit)

Postuler REF: 059257

At Bank of the West, our people are having a positive impact on the world. We’re investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people’s lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we’re a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.

Who we are: The Alert Investigations Unit is responsible for the investigation of suspicious activity alerts from the firm’s suspicious activity monitoring system, Actimize, and serves as the first line of defense for the Financial Intelligence Unit (FIU) for Bank of the West. Alert Investigations is responsible for ensuring Bank of the West complies with the Bank Secrecy Act (BSA) and the USA PATRIOT Act by monitoring transactional activity that flows through the Bank to determine whether a case is needed to determine if a suspicious activity report (SAR) is warranted to be filed with the Financial Crimes Enforcement Network (FinCEN).

Position Summary

Responsible for investigating alerts of potentially suspicious activity from multiple sources, including system generated alerts (Actimize), referrals from other business units and branches, law enforcement requests and request from BNP Paribas, for money laundering and terrorist financing.  Making determinations as to whether alerted activity makes reasonable sense for the customer/business type (non-referral) or if further research is needed (Case referral) and a suspicious activity report (SAR) filing is warranted on FinCEN reportable items in compliance with the Bank Secrecy Act and USA PATRIOT Act. Ensure all reporting requirements are met in compliance with government regulations and bank BSA/AML policies and procedures. Responsible for meeting performance and quality KPI standards while working in a professional production environment.

Position Accountabilities

  1. Research, analyze, and investigate customer activity for potential Anti-Money Laundering/Counter Terrorist Financing (AML/CTF) -related suspicious activity from automated monitoring system and referred by Bank personnel for potential AML/CTF related activity and make recommendation for further review (Case) for possible SAR filing with FinCEN.
  2. Maintain production and performance standards when reviewing and analyzing automated alerts for potential suspicious activity
  3. Prepare and thoroughly document factual and impartial findings in an accurate and timely manner for non-referred and referred alerts.
  4. Communicate with branch and department managers, as necessary, in researching and investigating alerts
  5. Document results of alert investigations in the case management system and meet reporting requirements of both internal and external entities. Substantiate non-referral and referral decisions with documentation.
  6. Compile data, and maintain necessary records and files to assure efficient and consistent reporting of alert investigations.
  7. Maintain a good understanding of BSA/AML regulations and FinCEN guidelines relative to Suspicious Activity Monitoring and Reporting as well as current money laundering/terrorist financing schemes and risk typologies, and investigative techniques required to detect such schemes and typologies.
  8. Process USA PATRIOT Act Section 314(a) requests, searching bank systems for matches and providing responses to FinCEN via the BSA online portal
  9. Research and respond appropriately to requests from information from the parent company, BNP Paribas
  10. Maintain thorough knowledge of the Bank's systems used to conduct research of customer transaction activity.
  11. Perform other duties as assigned or requested.

Required Education or Equivalent Experience

  • Bachelor's degree or equivalent work experience required
  • Required license(s) or certification(s) CAMS or CFE  preferred
  • FINRA registrations a plus

Required Experience

Minimum of 3 years with BSA/AML compliance, and conducting and managing financial investigations and/or research such as in bank/brokerage operations, security, compliance, and legal areas including criminal and/or civil litigation, researching, comprehensive reporting & documentation, and pattern recognition.

Alternative: Combination of education and experience that equates to these requirements. 

Field of Experience

  • Good knowledge of banking operations, policies and procedures, systems and operating rules.
  • Good knowledge of Branch or back-office operations; Branch Customer Service Manager or another financial institution preferred
  • BSA/AML experience at another financial institution preferred.
  • Good knowledge of BSA/AML regulations pertaining to suspicious BSA/AML-related customer activity.
  • Good knowledge of Bank's host systems and eVision, as well as the BSA-related suspicious activity detection systems used by the Bank.
  • Knowledge of investigative techniques including transaction analysis, evidence gathering and demonstrated research and/or pattern recognition skills, including use of online research tools and report writing
  • Experience with Actimize a plus

Administrative/Technical Skills

  • Strong written and verbal communications skills
  • Strong interpersonal skills
  • Strong attention to detail
  • Analytical and multi-tasking skills
  • PC Skills - Windows, Word, Excel, LAN,
  • Ability to follow specific goals and meet required deadlines
  • Ability to work independently and display initiative
  • Detailed planning and organizing skills

Primary Location: United States-Wisconsin-General WIJob Type: Full-timeJob: Bank Secrecy Act / Anti Money Laundering Reference: 059257