BSA Investigator

Summary
We're looking for a BSA Investigator to lead investigations into suspicious financial activity and ensure compliance with BSA, USA PATRIOT Act, AML, and CFT regulations. This role is BSA/AML-focused at its core — you'll monitor high-risk accounts, investigate suspicious transactions, and work closely with the BSA Officer, BSA staff, branch personnel, and other departments. Well-rounded candidates with fraud investigation experience are a plus, and SAR drafting experience is a nice-to-have, but the primary focus is BSA/AML/CFT compliance and investigations.

Responsibilities

• Investigate suspicious transactions and high-risk customers/accounts in coordination with bank operations
• Monitor ongoing compliance with BSA, USA PATRIOT Act, AML, and CFT regulations
• Analyze and document case findings in the case management system, ensuring accuracy and completeness
• Communicate investigation results and escalate concerns to the BSA Officer as needed
• Assist in developing and maintaining BSA investigation procedures to strengthen monitoring and compliance
• Stay current on regulatory requirements and industry best practices
• Provide risk mitigation recommendations to senior management and the BSA Officer
• Collaborate with law enforcement and regulatory bodies as needed
• Support additional departmental tasks as assigned

Education/Qualifications

• 3 years of BSA experience in banking
• CAMS or CAFP certification strongly preferred
• Bachelor's degree in Business, Finance, or Criminal Justice preferred
• Fraud investigation experience a plus
• SAR drafting experience a plus
• AML/TM/BSA software experience a plus
• Strong written and verbal communication skills
• Ability to read and interpret banking regulations, policies, and procedures
• Proficient in Word/Excel and general office tools