Financial Crimes Investigator I

Join TBK Bank! At TBK Bank, a subsidiary of Triumph, we're a team of passionate, driven, collaborative, solutions-minded people who want to make a difference in the lives of our customers and communities. Our mission is to do well and to do good at the same time. We accomplish this by working together, because at the end of the day, TBK means striving for excellence, while delivering with humility. We thrive on providing exceptional customer service, and we look for friendly professionals dedicated to helping customers achieve their financial goals. Position Summary: The Financial Crimes Investigator I 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. ESSENTIAL DUTIES & RESPONSIBILITIES Monitors quality control of frontline negotiable instruments in preparation for trend analysis 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 financial patterns in accordance with BSA/AML Department procedures for potential SAR filings Collaborates with other lines of business on Dynamic Risk Scoring research Updates risk mitigation data/tracking as applicable File maintains customer risk score updates (High Risk customers, Money Service Businesses and Independent ATM Owner/Operators) Reviews Cashier's Checks Issued Not Paid reports Maintains 314(a) documentation Drafts SAR narratives in accordance with BSA/AML Department procedures for standard financial crime typologies Completes Enhanced Due Diligence reviews in accordance with BSA/AML Department procedures to include: Analysis of transactional patterns Review of applicable beneficial ownership Negative news search Risk conclusion narrative 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 within 30 days of hire 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. EXPERIENCE & EDUCATION Bachelor’s degree (B.A.) preferred. 1–2 years of experience in banking or foundational exposure to investigations. SKILLS & ABILITIES REQUIRED 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. 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. 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. #LI-MF We offer Medical, Dental, Vision, Paid Time Off, 401k and much more. Go on. Do it. Apply Today! OUR BUSINESS Triumph is a financial and technology company focused on payments, factoring, intelligence and banking. We are pioneering solutions that serve the transportation industry. Through the Triumph brand, our customers gain unrivaled efficiency, transparent and secure transactions, and improved access to working capital. Through TBK Bank, we provide personal and business banking solutions that strengthen local communities and fortify our transportation business. We create value by driving businesses and communities of all sizes toward the future. We are proud to be an equal opportunity employer and we do not discriminate in recruitment, hiring, training, promotion, or other employment practices on the basis of age, race, gender, color, religion, national origin, disability, sexual orientation, veteran status, or any other basis that is prohibited by federal, state or local law. As a member of the Triumph team, you’re at the heart of an innovative, forward-thinking company that values collaboration, creativity and continuous learning. You’re not just an employee — you’re part of a team shaping the future. Being part of Triumph means striving for excellence while delivering with humility. OUR CORE VALUES Our long-standing core values are based on sound business practices and biblical principles. They flourish in our culture which helps our team members thrive, our customers succeed and our communities prosper. We commit ourselves to: Transparency Respect Invest for the future Unique is good Mission is more than money People make the difference Humility FOCUS ON SERVING OTHERS At Triumph, we strive to do the most good in the areas of greatest needs through our philanthropic endeavors. Our philanthropic vision is centered on four areas: Advocating for safety and justice Providing access to basic needs Supporting families Transforming communities