Financial Crimes Risk Analyst

About the role

Origin Bank offers a people‑first culture where employees are supported by initiatives such as the Dream Manager program, one‑on‑one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals. The bank provides a competitive total rewards package, including generous benefits and compensation tailored to skills, experience, and education.

Responsibilities

• Perform scheduled Enhanced Due Diligence (EDD) reviews of high‑risk accounts, including Money Service Businesses (MSBs), marijuana‑related businesses (MRBs), Non‑Bank Financial Institutions (NBFIs), Politically Exposed Persons (PSPs), Non‑Resident Aliens (NRAs), privately‑owned ATM operators (POATMs), cryptocurrency entities, etc.; document EDD monitoring and tag accounts appropriately in Verafin.
• Accurately analyze transactional trends and identification documentation to conclude EDD reviews of high‑risk customers, and make recommendations to accept, mitigate, or refer for account closure.
• Provide updated information to the Financial Crimes Risk Manager to revise procedures for handling newly identified high‑risk customers, including reporting suspicious activity and recommending account closure when necessary.
• Review Verafin reports to identify unidentified NGOs, MRBs, or MSBs in the BSA system and add tags/comments as needed.
• Evaluate transactional activity in POATM or MSB accounts to detect unusual patterns or lack of cash activity.
• Stay current on MSB and MRB regulatory requirements for Louisiana, Mississippi, Texas, Alabama, Florida, and federal guidelines.
• Communicate with bank personnel to obtain additional documentation or information required for investigations of high‑risk accounts.
• Track documentation for all MSBs and work directly with retail and lending employees to resolve exceptions.
• Process alerts in Verafin reflecting Privately‑Owned ATM transactions for accounts not previously identified as POATM owners.
• Add comments and risk ratings to new Remote Deposit Capture (RDC) accounts in Verafin.
• Review assigned Verafin alerts for red flags or new account scenarios, determining whether they can be cleared or require further investigation.
• Utilize internal bank systems and external research tools to investigate, research, and document anti‑money‑laundering investigations.
• Develop an understanding of industry and AML regulations, as well as patterns of behavior that represent suspicious activity.
• Stay up‑to‑date on current and new policies and regulations related to anti‑money‑laundering schemes and characteristics.
• Support special projects or critical casework regarding BSA/AML matters.

Qualifications

• Bachelor’s degree (B.A.) from a four‑year college or university preferred; minimum three years of banking experience required, including recent BSA compliance experience within the last 12 months, or an equivalent combination of education and experience.
• Certified Anti‑Money Laundering Specialist (CAMS) and/or Certified AML and Fraud Professional (CAFP) certification preferred, or willingness to obtain within one year.
• Proficiency with Internet, Outlook, Microsoft Word, and Excel; ability to learn bank‑specific software such as Verafin, IBS (Core), and IBS (Teller Insight).

Skills

• Analytical and design: strong problem‑solving, technical troubleshooting, and ability to manage simultaneous complex projects.
• Problem solving: identify and resolve issues promptly, gather and analyze information, work effectively in group problem‑solving situations.
• Interpersonal/customer service: maintain confidentiality, remain open to ideas, respond to service requests, meet commitments.
• Oral and written communication: speak clearly and persuasively, listen actively, respond well to questions, interpret written information.
• Teamwork: balance team and individual responsibilities, contribute to positive team spirit, prioritize team success.
• Organizational support: follow policies and procedures, complete administrative tasks accurately and on time.
• Judgment and motivation: exhibit sound judgment, explain reasoning, involve appropriate people in decisions, make timely decisions.
• Planning/organizing: prioritize and plan work activities, use time efficiently.
• Professionalism: act tactfully, handle pressure well, treat all individuals with respect.
• Quality and quantity: demonstrate accuracy, thoroughness, and timely completion of work.
• Adaptability: adjust to changes, manage competing demands, handle frequent changes or unexpected events.
• Attendance/punctuality and dependability: maintain consistent presence, cover responsibilities when absent, follow instructions, take responsibility for actions, commit to long hours when needed.
• Maintain proficient knowledge of BSA, USA PATRIOT Act, OFAC regulations, and bank policies; operate systems to obtain customer information, transaction history, and generate reports for the BSA program.
• Bank culture/customer service skills: interact appropriately with employees, customers, and supervisors; provide superior customer relations that enhance the bank’s marketing effort.

Benefits

• Competitive total rewards package with compensation tailored to skills, experience, and education.
• Generous benefits program.
• Dream Manager program to support personal and professional aspirations.
• One‑on‑one guidance from a nationally certified health and wellness coach.
• Free access to certified financial professionals for personal financial planning.