Financial Crimes Risk Analyst

About the role

At Origin Bank, a job isn't just a paycheck—it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. What truly sets us apart is our people-first culture, where you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals to help you plan for your future.

The Financial Crimes Risk Analyst ensures the Bank’s compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering, financial crimes, and/or terrorist financing.

Responsibilities

• Prepares concise and thorough alert and case investigation summaries outlining relevant details to support a final outcome for possible Suspicious Activity Report (SAR) filings.
• Accurately analyzes transactional data to identify activity indicative of Money Service Businesses (MSBs), Marijuana/Cannabis-related Businesses (including those adjacent to this industry), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PEPs), Non-Resident Aliens (NRA), Privately-Owned ATM Operators (POATMs), Crypto-Currency, etc.; refers any such activity to the Financial Crimes High Risk Customers and Accounts team.
• Researches, analyzes, and investigates customer account behavior for potential Anti-Money Laundering (AML)-related suspicious activity that is referred to case in Verafin.
• Determines if a Suspicious Activity Report is likely to be filed with FinCEN.
• Partners with banking center and other department employees, as necessary, in researching and investigating cases.
• Communicates with applicable bank personnel to obtain further documentation and/or information necessary to complete investigations.
• Administers essential workflow functions such as documenting complex cases, ensuring SAR narratives include all pertinent data elements, and thoroughly substantiating "No SAR" decisions in compliance with federal interagency guidance and internal Bank policies and standards.
• Provides draft SARs and "No SAR" decisions to the applicable Financial Crimes Risk Manager for review and approval.
• Completes renewal review for continuing activity 90 days following original SAR filing and makes recommendations to refile or close.
• Operates all systems and software programs used to obtain customer information, transaction history, and archive reports for the Financial Crimes Risk Management (FCRM) program.
• Utilizes a variety of internal bank systems and external research tools to investigate, research, and prepare documentation related to anti-money laundering investigations.
• Maintains subject matter expertise of the banking/financial services industry, AML/financial crimes-related regulations, and typologies for suspicious activity or terrorist financing.
• Stays up-to-date on current and new policies and regulations related to anti-money laundering schemes and characteristics.
• Supports special projects or critical casework regarding BSA/AML matters.

Requirements

• High school diploma or general education degree (GED) required; Bachelor’s degree from a four-year college or university highly preferred.
• Minimum three (3) years of BSA/AML/OFAC experience required, including recent bank BSA compliance experience within the last 12 months.
• Five (5) years of banking experience (including BSA/AML/OFAC experience) is required.
• Prior experience with Verafin is preferred.
• Certified Anti-Money Laundering Specialist (CAMS) or other recognized AML certification preferred.
• Knowledge of the Internet, Outlook, Microsoft Word, and Excel.
• Ability to learn bank-specific software such as Verafin, IBS (Core), IBS (Teller Insight), IBS (Deposit Origination), AccuSystems, nCino, and Encompass.
• Proficient knowledge of rules and regulations, including the Bank Secrecy Act, USA PATRIOT Act, and OFAC, as well as the Bank’s policies, procedures, products, services, geographies, and risk profile.
• Ability to operate systems and software programs used to obtain customer information, transaction history, and archive reports for the BSA program.

Skills

• Analytical and Design: Strong problem-solving and analytical skills; ability to juggle simultaneous complex projects.
• Problem Solving: Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; works well in group problem-solving situations.
• Interpersonal Skills/Customer Service: Maintains confidentiality; remains open to others' ideas; responds to requests for service and assistance; meets commitments.
• Oral and Written Communication: Speaks clearly and persuasively; listens and gets clarification; responds well to questions; able to read and interpret written information.
• Teamwork: Balances team and individual responsibilities; contributes to building a positive team spirit; supports everyone's efforts to succeed.
• Organizational Support: Follows policies and procedures; completes administrative tasks correctly and on time; supports organization’s goals and values.
• Judgment and Motivation: Exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in the decision-making process.
• Planning/Organizing: Prioritizes and plans work activities; uses time efficiently.
• Professionalism: Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration.
• Quality and Quantity: Demonstrates accuracy and thoroughness; completes work in a timely manner.
• Adaptability: Adapts to changes in the work environment; manages competing demands; able to deal with frequent change, delays, or unexpected events.
• Attendance/Punctuality and Dependability: Is consistently at work and on time; ensures work responsibilities are covered when absent; follows instructions and responds to management direction.

Benefits

We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. Unique initiatives include:

• Dream Manager program for personal and professional growth.
• One-on-one guidance from a nationally certified health and wellness coach.
• Free access to certified financial professionals to help plan for your future.

Location

On-site or hybrid, depending on level of experience. The qualified applicant must reside within the Bank’s geographic footprint (TX, LA, MS, AL, FL).

Physical Demands

• Frequently required to stand, walk, sit, use hands to finger/handle, and talk or hear.
• Occasionally required to reach with hands and arms, climb or balance, stoop, kneel, crouch, or crawl.
• Must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required include close vision, distance vision, and ability to adjust focus.

Work Environment

The noise level in the work environment is usually moderate.