Program Manager, BSA/AML & Fraud

Job Summary

The Program Manager is responsible for managing the governance, process, and program infrastructure that supports the Bank’s BSA/AML, OFAC, and Fraud compliance programs. This role leads policy and procedure development, annual risk assessments, training and awareness, intake workflow design, and data validation. The Program Manager also manages the Bank’s fraud program infrastructure, including loss reporting and control testing, and partners with business units on new product and technology initiatives to ensure financial crimes risks are identified and mitigated.  The Program Manager ensures all program elements remain aligned to the Bank’s enterprise risk appetite and Board/Audit Committee expectations, serves as a primary liaison with regulators and auditors, and may act as Deputy BSA Officer when designated.

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Develop, maintain, and update policies and procedures related to BSA, AML, OFAC, CIP, and Fraud.
• Design and deliver training and communications, including bank-wide annual BSA/AML/Fraud training, branch communications, and targeted awareness campaigns.
• Lead annual BSA/AML, OFAC, CIP, and Fraud risk assessments, documenting methodology, findings, and recommendations.
• Manage suspicious activity/fraud intake workflow design, routing logic, and testing to ensure timely and accurate escalation.
• Conduct data validation and testing for monitoring systems and intake processes, ensuring completeness and accuracy of data feeds.
• Manage the Bank’s fraud program infrastructure, including fraud loss reporting, KRI/KPI framework, and prepare dashboards and reporting packages for senior management, Audit Committee, and the Board.
• Track and monitor internal issues and QA findings, audit and exam findings (MRAs/MRIAs), ensuring remediation and accountability.
• Partner with business lines and IT on new product and technology reviews to identify financial crimes risks and ensure adequate controls prior to launch.
• Support audit and exam preparation by providing documentation, governance materials, and responses for assigned program areas.
• Provide surge support during high alert/case volumes by assisting with basic investigative tasks or CTR preparation.
• Provide continuity and succession support by serving as Deputy BSA Officer when designated.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
• Complete mandatory annual compliance training.
• Perform other duties and special projects as assigned.

Job Requirements

Education:

• Bachelor’s degree in Accounting, Finance, Business, Criminal Justice, or related field.

Required:

• 5 years of experience in BSA/AML, Fraud, or compliance program management.
• Demonstrated experience developing and maintaining policies, procedures, and training programs.
• Experience conducting enterprise-wide risk assessments.
• Knowledge of AML, OFAC, CIP, and Fraud regulations.
• Strong project management skills, with ability to lead cross-functional initiatives.
• Experience with fraud loss reporting, KPI/KRI frameworks, or control testing.
• Proven ability to lead regulatory exams and audits, including issue remediation and examiner engagement.
• Experience developing and presenting program metrics and KRIs/KPIs to senior leadership and/or Boards.
• Strong written and verbal communication skills, including ability to draft policy documents, training content, and management reporting.
• Ability to manage multiple priorities, deadlines, and stakeholders.
• High attention to detail and ability to document program governance requirements.

Preferred:

• Advanced degree or professional certification (CAMS, CFE, PMP).
• Prior experience with transaction monitoring systems (Verafin preferred).
• Experience working in mid-size or larger banks ($5–50B ) in a program management capacity.
• Familiarity with audit, exam, and issue management processes.
• Experience working with technology teams to design or validate data feeds and workflows.

Core Competencies and Skills:

• Governance & Documentation: Ability to translate regulatory requirements into practical policies and processes.
• Training & Awareness: Skilled at developing content and delivering messages across the Bank.
• Project Management: Strong planning and organizational skills to manage multiple deliverables.
• Analytical Thinking: Able to evaluate risk assessments, metrics, and program performance.
• Collaboration: Builds relationships with stakeholders across risk, IT, operations, and business lines.
• Continuous Improvement: Identifies opportunities for efficiency, standardization, and automation.
• Strategic Thinking: Ability to align program initiatives with enterprise risk appetite and regulatory expectations.
• Change Management: Skill in guiding stakeholders through adoption of new policies, workflows, or systems
• Stakeholder Engagement: Ability to collaborate and influence across lines of business, IT, risk, and senior leadership.
• Regulatory Readiness: Ensures program is always exam-ready, with documentation and evidence available.
• Board/Committee Communication: Prepares and delivers clear reporting packages to executive and governance committees.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization. 

Work Environment, Physical Requirements 

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.

DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.

Salary : $5 - $50