Senior BSA Analyst - Financial Crimes

Position Summary

The Senior BSA Analyst plays a critical role in safeguarding Metro Credit Union against financial crimes while ensuring full compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, FinCEN regulations, and related federal requirements. Leveraging advanced anti-money laundering (AML) software and investigative expertise, this role is responsible for reviewing escalated alerts, conducting complex investigations, and recommending appropriate actions.

As a trusted subject matter expert, the Senior BSA Analyst will collaborate across departments to strengthen Metro’s risk management framework, provide guidance on regulatory requirements, and partner with management to design, document, and enhance policies and procedures. This position requires strong analytical skills, sound judgment, and a proactive approach to identifying suspicious activity that could pose financial, operational, or reputational risks to the Credit Union.

What You'll Do

• Conducts comprehensive Enhanced Due Diligence (EDD) and ongoing behavioral reviews to ensure compliance with BSA/AML regulations and proactively identify potential risks.
• Monitors, updates, and authors Standard Operating Procedures (SOPs) and reference materials to reflect evolving regulatory requirements; partners with management to design and implement new processes as needed.
• Prepares and submits Suspicious Activity Reports (SARs) in accordance with FinCEN guidelines, ensuring timely, accurate, and well-documented filings.
• Oversees the Currency Transaction Report (CTR) workflow within the automated compliance management system, ensuring deadlines are consistently met and reporting standards upheld.
• Performs reconciliations of key reports to verify accuracy and adherence to procedures; works with internal teams to correct or obtain missing information required for regulatory compliance.
• Reviews, analyzes, and resolves alerts generated by anti–money laundering software, escalating issues as appropriate and documenting findings in detail.
• Maintains accurate and up-to-date Know Your Customer (KYC) records, supporting robust member due diligence and regulatory compliance.
• Collaborates across departments to investigate suspicious activity, mitigate fraud risks, and recommend corrective actions.
• Provides mentorship and training to new team members, reinforcing best practices and promoting a strong compliance culture.
• Leads and participates in special projects involving system upgrades, workflow enhancements, or process improvements to strengthen the BSA/AML program.
• Performs additional duties and supports compliance initiatives as assigned by management.
• AI Proficiency & Microsoft Copilot:
• Champion AI optimization and process improvement by actively utilizing the organization's Microsoft Copilot and other AI-powered tools to enhance productivity, streamline workflows, and drive operational efficiencies across the Financial Crimes team.
  

What You'll Bring

Education and Experience

• Bachelor’s degree and/or equivalent combination of education and work experience strongly preferred.
• Minimum of 2-3 years of related experience strongly preferred.
  
  

Skills/Knowledge/Certifications

• BSA Certification and/or Certified Anti-Money Laundering (“CAM”) certification preferred.
• Strong understanding of compliance and regulations related to departmental duties such as Chapter X, the USA Patriot Act and the FFIEC BSA/AML Examination Manual.
• Strong attention to detail and analytical skills.
• Ability to perform work with accuracy and diligence.
• Strong time management skills.
• Ability to effectively communicate in oral and written form.
• Ability to present information in a clear and easily understood manner.
• Ability to work independently but also be a team player when required.
• Ability to work in a fast paced and challenging environment.
• Ability to adapt to change.
  
  

Work Environment

• General office environment.
• Frequent computer and keyboard use.
• Highly stationary.
  
  

Why Join Our Team

Compensation & Benefits Summary

Comprehensive Health Coverage

Health, Dental, and Vision coverage for employees working minimum 20 hours per week. Metro provides assistance toward premiums and copays and offers 100% coverage on prescription copays through the Prescription Drug Program.

Time Off

Three weeks of paid vacation per year and 11 paid holidays, supporting work-life balance from day one.

Competitive Compensation

Annual bonuses for all staff, including both annual performance bonus and annual vesting retention bonus.

Robust Retirement Benefits

401(k) retirement matching plan and Safe Harbor Plan. Metro contributes 3% regardless of employee contribution, ensuring your financial future is secured.

Wellness & Financial Support

Wellness incentives, Employee Assistance Program, Flexible Spending Account, and range of voluntary benefits including LTD, STD, and AD&D. Access to no-interest loans and $150 per quarter reimbursement for wellness and lifestyle expenses.

Career Development

Strong growth opportunities with individualized development plans. Position-related tuition assistance available after one year of eligibility. Superb in-house training programs to build your skills.

Additional Perks

Discounts on pet insurance. A growing, dynamic work environment with strong culture and exceptional team members who are passionate about serving our community. Additional benefits include wellness reimbursements, tuition assistance, and professional development opportunities.

Hybrid Policy Eligibility

• Minimum days in office per week: 3 (Tuesday and Wednesday required).
• Minimum days in office for onboarding: 90 days.
• 4x10 eligible: Yes.
  
  

Compensation Disclosure

$32.00 – $40.00/ hour.

The salary range listed provides a general expectation for the role. Final compensation is based on experience, unique strengths, and the impact you are expected to make. Metro also offers a competitive benefits package and additional perks that contribute to total compensation.

Ready to Make an Impact?

At Metro Credit Union, we believe our employees are our greatest asset. We are committed to creating a work environment where you can thrive professionally while maintaining work-life balance. From comprehensive benefits and competitive compensation to opportunities for growth and development, we invest in your success. Join a team where your work makes a real difference in protecting our members and strengthening our community.

About Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.4 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program.

Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos ("Together We Advance") designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman's Best of 2025 awards; and recognized as one of America's Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.