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BSA/AML Transaction Monitoring Investigator (CIB)

Postuler REF: 060287

What sets Bank of the West apart from other banks is our team members-they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than

10,000 employees is vital to the success of our Bank. They reflect our modern western values-straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters

and rewards excellence, encourages creative thinking and respects diversity - an environment where team members are engaged, supportive of one another and enthusiastic about serving our

customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the

6 strongest banks in the world. We offer opportunities across our diverse business lines - Retail Banking, Commercial Banking, National Finance, and Wealth Management.

Who we are: The Corporate and Institutional Banking (CIB) L1 Transaction Monitoring & Investigations Unit (“TMI”) 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 for CIB. CIB L1 TMI is responsible for ensuring CIB complies with the Bank Secrecy Act (BSA) and the USA PATRIOT Act by monitoring transactional activity that flows through the firm to determine if alerted activity makes sense or whether further research is needed for the firm to consider if a suspicious activity report (SAR) is warranted to be filed with the Financial Crimes Enforcement Network (FinCEN).

Position Summary

Responsible to detect, review and escalate potentially suspicious activities filtered by various AML systems for money laundering and terrorist financing relating to Corporate, Institutional, and Correspondent Banking. 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. In addition, this position may investigate external inquiries via Legal (subpoenas), internal investigations other groups (fraudulent instruments and inquiries), and capital markets related transaction activity. 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.

Responsibilities:

  • Research, analyze, and investigate potentially suspicious Anti-Money Laundering/Counter Terrorist Financing (AML/CTF) activity based on a variety of AML Systems generated alerts from Corporate, Institutional, and Correspondent Banking transactional activity (which may include wire transfers, checks, security transactions, trade finance letters of credit, loans and cash letters).
  • Maintain production and performance standards when reviewing and analyzing automated alerts for potential suspicious activity
  • Prepare and thoroughly document factual and impartial findings in an accurate and timely manner for non-referred and referred alerts.
  • Determine if alerts can be closed as not suspicious or warrant further investigation and escalation to a case in the firm’s case management system.
  • As necessary, use available research tools (public internet sources as well as third party sites) to identify information concerning transactions warranting further investigation as a case.
  • Research past alerts and cases to see if previous investigations have taken place and what conclusions were made.
  • Request additional information by contacting various compliance or business personnel throughout the organization to determine if facts and circumstances surrounding unusual transactions warrant closure of the investigation as not suspicious or if escalation for further investigation is warranted.
  • Escalate unusual activity to the L2 Case Investigations team.
  • Document results of alert investigations in the firm’s case management tool and meet reporting requirements of both internal and external entities. Substantiate non-referral and referral decisions with documentation.
  • Participate in or lead ad-hoc special projects or special assignments
  • Actively participate in Team discussions, Committees, projects and proposals.
  • Assist in the creation, development and review of Compliance procedures.
  • 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.
  • Mentor and support junior investigators (Assoc I and II), providing guidance and answering questions.
  • Engage in training of new investigators and assist with oversight of new hire work product, as well as assist in the training of existing staff.
  • Assist in the evaluation and fine-tuning of monitoring processes, rules, thresholds and parameters to ensure they are appropriate for types of business, clients and transaction volumes of the firm; recommending modification of rules where appropriate.
  • Review anticipated activity of clients and compare with actual activity recorded in the system.
  • Prepare reports using Excel to display transaction flow of payments and/or other payment activities.
  • Perform other duties as assigned or requested.

Required Education

  • Bachelor’s Degree in Mathematics, Criminal Justice, Business, or related field.
  • ACAMS, CFE, CFCS, CFS certifications preferred.

Required Experience

Minimum of 5 years with BSA/AML compliance, and conducting and managing financial crimes 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 knowledge and Experience

  • Experience and knowledge of BSA/AML and Sanctions regulations and practices pertaining to suspicious BSA/AML-related customer activity.
  • BSA/AML experience at another financial institution preferred.
  • Experience with Corporate, Institutional, Correspondent Banking is required, and Capital Markets is preferred.
  • 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 strongly preferred.

Administrative/Technical Skills

  • MS Word, Excel, PowerPoint skills required.
  • Strong capability with data analytics/manipulation programs and concepts.
  • Strong technical and analytical skills required.
  • Strong interpersonal skills
  • Strong written and verbal communication skills.
  • Strong attention to detail
  • Ability to follow specific goals and meet required deadlines
  • Ability to work independently and display initiative
  • Detailed planning and organizing skills


Equal Employment Opportunity Policy



Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.

Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
Primary Location: United States-Nebraska-OmahaJob Type: Full-timeJob: Bank Secrecy Act / Anti Money Laundering Reference: 060287