BSA/AML Investigations Analyst

Role Overview

• Conduct comprehensive investigations into potential AML, CFT, fraud, OFAC, or other BSA-related violations and determine whether escalation or SAR filing is required.
• Prepare, draft, and submit Suspicious Activity Reports (SARs) with accuracy and within required regulatory timeframes.
• Perform fraud referral escalation assessments and determine if regulatory filings are warranted.
• Prepare Unusual Activity Reports (UARs) for Payment Processing merchants and coordinate with sponsor banks on related decisions and filings.
• Conduct transaction monitoring reviews and assessments to evaluate unusual or high‑risk activity requiring escalation, enhanced due diligence, or SAR consideration.
• Assess system‑generated alerts, rules‑based scenarios, and triggered events to determine risk exposure and recommend next steps.
• Respond to regulatory, legal, and law enforcement inquiries, including subpoena investigations.
• Review, validate, and resolve OFAC screening escalations, match/no‑match determinations, and process blocked or rejected transactions.
• Conduct research and documentation in support of USA PATRIOT Act Section 314(b) information sharing.
• Maintain detailed case documentation compliant with internal policy and regulatory standards.
• Produce dashboards, metrics, and investigative reporting to support oversight and transparency.
• Participate in testing, quality reviews, control enhancements, and process improvement initiatives.
• Provide AML/OFAC guidance to internal partners and assist with onboarding and training.

Requirements

• Experience in AML, CFT, fraud, or SAR‑related investigations.
• Strong analytical, investigative, and decision‑making skills.
• Excellent written and verbal communication skills.
• Ability to manage competing priorities in a high‑volume, regulatory‑driven environment.
• Proficiency with Microsoft Excel, Word, and investigative or case management tools.
• Bachelor’s degree or 5+ years of relevant experience.
• CAMS or equivalent AML certification (Preferred).
• Experience with third‑party KYC/EDD vendors or screening systems (Preferred).

Benefits

• Equal Employment Opportunity
• Reasonable accommodations are available upon request