Deputy BSA Officer

Assists the BSA Officer with the management and administration of the BSA Program, ensuring compliance with the Bank Secrecy Act, USA PATRIOT Act, anti-money laundering, OFAC, and the Customer Identification Program using industry standard and regulatory guidance.

Responsibilities

• Assist the BSA Officer in the development, implementation, and ongoing improvement of the Bank’s BSA/OFAC Program, including compliance, operational logistics, procedures, training, internal controls, risk assessments, and oversight of the BSA team.
• Participate in and prepare for regulatory BSA examinations, independent audits, and internal reporting.
• Research and respond to regulatory and supervisory requested information from regulators, FinCEN, OFAC, and other government agencies.
• Manage the Bank’s sanction screening systems and AML Monitoring System, ensuring adherence through system data validation, model management, system calibration, and configuration.
• Provide M&A support to establish new procedures and properly oversee new customers, products, and BSA team members.
• Prepare reports for Executive Management and the Board of Directors on trends in high-risk customers, on/off-boarding, SARs, emerging BSA/AML risks, and other key metrics.
• Maintain knowledge of the company’s BSA/OFAC policy, program, and desktop procedures to ensure a working understanding of all BSA/AML processes.
• Supervise, mentor, train, and coach BSA staff.
• Oversee and perform quality reviews, monitoring, and analysis of regulatory reports (e.g., CTR, SAR ARBP), logs, cases, and transaction data to identify trends and unusual activity.
• Manage, research, and respond to regulatory and supervisory requests; mitigate any findings or observations.
• Maintain proficient knowledge of all BSA, AML, and OFAC rules and regulations at the state and federal level, staying abreast of changes that may impact the Bank’s program.
• Research regulatory issues and respond to compliance questions from personnel using legal and regulatory reference materials, agencies, legal counsel, and professional organizations.
• Perform other job-related duties as assigned.

Qualifications

• Minimum ten years of banking experience required.
• Minimum ten years of BSA/AML experience required.
• Minimum five years of supervisory experience.
• Expertise in database utilization.
• Certified Anti-Money Laundering Specialist (CAMS) designation preferred.
• Certified Fraud Examiner (CFE) or other financial crimes/risk-related professional certification preferred.

Skills

• Working knowledge of federal and state anti-money laundering compliance statutes and regulations.
• Ability to read, interpret, and apply statutes and regulations.
• Strong analytical, problem-solving, and organizational skills.
• Advanced proficiency with Microsoft Office applications.
• Ability to identify gaps and risk exposure in control processes.
• Excellent written and verbal communication skills.
• Supervisory skills, including directing, coaching, motivating, delegating, evaluating, and counseling employees.
• Experience promoting teamwork and eliminating barriers within the department and across the organization.

Essential Functions

• Ability to sit for extended periods.
• Proficiency in operating a computer keyboard, mouse, and other computer components.
• Ability to converse and exchange information with all levels of staff.
• Ability to observe, perceive, identify, and translate data.
• Ability to travel, attend meetings, seminars, and conferences, including unaccompanied long-distance travel and overnight lodging.

Benefits

This position is eligible for a comprehensive benefits package. Additional information regarding United's Mission, Values, and Culture can be found on the company website.