Financial Crimes Risk Analyst

We need to output HTML fragment with sections: About the role? The posting includes intro paragraph about Origin Bank, then job description, duties, supervisory responsibilities, competencies, qualifications, etc. We need to use

for section headings (e.g., About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We must not repeat job title as heading. We must not include Job ID etc. We must include sections only when posting has real specific content. We must preserve all substantive info, not invent or summarize away detail. Remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions. Also remove "Your Career. Your Story..."? That's marketing fluff but maybe considered part of About the role? It's generic but maybe we keep as About the role? The instruction: "Prefer a few substantive sections over many thin ones." We need to decide which sections to include. We have content: Intro paragraph about Origin Bank (people-first culture, benefits, Dream Manager program, etc.) That could be "About the role" or maybe "About the company". The instruction says use headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we can map. We have duties and responsibilities list (long). That's Responsibilities. We have supervisory responsibilities (none). That's maybe not needed as separate section; we could note under Responsibilities that there are no supervisory responsibilities. We have competencies list (Analytical and Design, Problem Solving, Interpersonal Skills/Customer Service, Oral and Written Communication, Teamwork, Organizational Support, Judgment and Motivation, Planning/Organizing, Professionalism, Quality and Quantity, Adaptability, Attendance/Punctuality and Dependability). That could be Skills or Requirements? The instruction: Use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we could have Skills section for competencies. We have Qualifications (education/experience, certifications, computer skills, other skills, bank culture/customer service skills, physical demands, work environment). That's Qualifications. We have Benefits? The intro mentions competitive total rewards package, generous benefits, compensation tailored, Dream Manager program, health and wellness coach, free access to certified financial professionals. That's benefits info. So we can have Benefits section. Pay? Not specified. So we should NOT create Pay section because no specific pay info. Schedule? Not specified. So no Schedule section. We must not include placeholder text like "commensurate with experience". We have no such. We must remove EEO boilerplate at end: "Equal Opportunity Employer..." etc. Remove. Also remove "Our Hiring Process" etc (pre-employment screenings). That's maybe part of Requirements? It's procedural; could be considered part of Qualifications? But it's about hiring process, not job requirements. Likely we should remove as boilerplate? It's not EEO but it's about screening. The instruction: remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. "Our Hiring Process" could be considered application instructions? It's about screenings after offer. Might be considered part of application process; better to remove. Also remove "Know Your Rights" etc. Thus we keep: Intro (About the role), Responsibilities, Skills (competencies), Qualifications, Benefits. We need to use

• for any list of duties/requirements/benefits, and

  for prose. We need to preserve all substantive info; not invent or summarize away detail. So we must keep the details as given, but we can format as lists. We must not repeat job title as heading. We must not include Job ID etc. We need to output only HTML fragment. Let's craft:

  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. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. What truly sets us apart is our people-first culture. Here, 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 who are here to help you plan for your future. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you.

  That's the intro. Then Responsibilities:

  Responsibilities

  • Assists in ensuring 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 activity, financial crimes and/or terrorist financing.
  • The FCRM Analyst will assess the financial crimes risk of customers so as to ensure compliance with the myriad of Bank Secrecy Act (BSA), Anti-Money Laundering (AML) regulations related to customer identification procedures (CIP), customer due diligence (CDD), procedures for enhanced due diligence (EDD), and beneficial ownership (BO).
  • Performs scheduled Enhanced Due Diligence (EDD) reviews of accounts deemed as high risk, including but not limited to Money Service Businesses (MSBs), Marijuana or cannabis-related or cannabis-adjacent related businesses (MRBs), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PSPs), Non-Resident Alien (NRA), privately-owned ATM operators (POATMs), Crypto-Currency, etc.; documents EDD monitoring and tags accounts appropriately in Verafin
  • Accurately analyzes transactional account trends and patterns, identification documentation to efficiently document a conclusion upon completion of EDD reviews of high risk customers.
  • Makes recommendations to accept high risk, mitigate to medium/moderate risk, or refer for account closure
  • Provides updated information to the appropriate Financial Crimes Risk Manager for updating/revising procedures for the handling of newly identified high-risk customers, to include the proper method to review such accounts and to report suspicious activity, document relationships and/or recommendation of account closure if deemed necessary
  • Reviews reports in Verafin to determine if there are NGO (Non-Government Organizations), MRBs (Marijuana-Related Businesses), or MSB (Money Services Businesses) unidentified in the BSA system. Adds tags and comments as needed
  • Evaluates transactional activity in accounts identified as Privately Owned ATMS (POATMs) or MSBs to determine any unusual patterns or lack of cash activity based on trends
  • Stays up-to-date on MSB and MRB requirements for Louisiana, Mississippi and Texas, Alabama, and Florida as well as federal guidelines
  • Communicates with applicable bank personnel to obtain any further documentation and/or information necessary to complete the investigations or reviews of high risk accounts
  • Tracks documentation required on all MSBs and directly works with retail and lending employees to resolve any exceptions
  • Processes alerts in Verafin that reflect any Privately-Owned ATM type transactions for accounts not previously identified as POATM owners
  • Adds comments to new Remote Deposit Capture (RDC) accounts in Verafin with risk rating assigned
  • May be assigned alerts in Verafin for red flags or new account scenarios and others as assigned to review and determine if the alert can be cleared or needs further investigation
  • Utilizes a variety of internal bank systems and external research tools to investigate, research, and prepare documentation related to anti-money laundering investigations
  • Develops an understanding of the industry and AML related regulations, as well as patterns of behavior that represent suspicious activity
  • Stays up-to-date on current and new policies and regulations as they relate to anti-money laundering schemes and characteristics
  • Supports any special projects or critical casework regarding BSA/AML matters
  Supervisory responsibilities: "This job has no supervisory responsibilities." Could be a short p under Responsibilities or separate? Probably include as a note:

  This job has no supervisory responsibilities.

  after list. Now Skills (competencies):

  Skills

  • Analytical and Design – Strong problem solving and analytical skills required to succeed in this job; Strong technical troubleshooting skills and 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; Uses reason even when dealing with emotional or confidential topics.
  • Interpersonal Skills/Customer Service - Maintains confidentiality; Remains open to others' ideas and tries new things; Responds to requests for service and assistance; Meets commitments.
  • Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; 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; Puts success of team above own interests; 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 decision-making process; Makes timely decisions.
  • 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 regardless of their status or position.
  • Quality and Quantity – Demonstrates accuracy and thoroughness; Completes work in 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, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.
  Now Qualifications:

  Qualifications

  • Education And/or Experience: Bachelor's degree (B. A.) from four-year college or university preferred; minimum three years of banking experience required including recent bank BSA compliance experience within the last 12 months; or equivalent combination of education and experience.
  • Certifications: Certified Anti-Money Laundering Specialist (CAMS) and/or Certified AML and Fraud Professional (CAFP) certification preferred or willingness to obtain within a specified time (1 year).
  • Computer Skills: To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel. Ability to learn bank-specific software such as Verafin, IBS (Core), IBS (Teller Insight), etc.
  • Other Skills: Maintains proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act, USA Patriot Act, and OFAC as well as the bank’s policies and procedures. Understands how to operate all systems and software programs used to obtain customer information, transaction history, and archive reports used to gather information for the BSA program.
  • Bank Culture/Customer Service Skills: Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner