Deputy BSA Officer

About the Role

The Deputy BSA Officer assists the BSA Officer with the management and administration of the BSA Program. This position is responsible for all aspects pertaining to the Bank Secrecy Act, USA PATRIOT Act, anti-money laundering, OFAC, and the Customer Identification Program using industry standard and regulatory guidance to ensure compliance. The role involves compiling reports, performing quality control reviews, and supporting the supervision and performance management of BSA staff.

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 requests for 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 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, and emerging BSA/AML risks.
• 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 updated on changes impacting 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.

Requirements

• Minimum ten years of banking experience.
• Minimum ten years of BSA/AML experience.
• Minimum five years of supervisory experience.
• Expertise in database utilization.

Qualifications

• Certified Anti-Money Laundering Specialist (CAMS) designation preferred.
• Certified Fraud Examiner (CFE) or other Financial Crimes/Risk-Related Professional Certification.

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 and across departments.

Essential Functions

• Ability to sit for extended periods and efficiently operate a computer.
• Ability to converse and exchange information with all levels of staff.
• Ability to observe, perceive, identify, and translate data.
• Ability to travel for 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’s website.