Sr BSA Analyst
Who We Are
Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company.
The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace. Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history.
Who We Are Looking For
We are seeking a highly experienced Senior BSA/AML Analyst to join our Bank Secrecy Act Compliance team. In this role, you will serve as a subject matter expert responsible for identifying, investigating, and reporting suspicious activity in accordance with applicable laws and regulatory guidance. You will play a key role in strengthening our enterprise-wide AML program.
What You’ll Do
- Conduct complex investigations of suspicious activity alerts generated by transaction monitoring systems and prepare high-quality Suspicious Activity Reports (SARs) in accordance with FinCEN requirements.
- Perform enhanced due diligence (EDD) reviews on high-risk customers including PEPs, MSBs, and foreign financial institutions.
- Monitor and analyze customer transaction activity for indicators of money laundering, fraud, structuring, and other financial crimes.
- Aid in the development, testing, and tuning of AML transaction monitoring scenarios and rules.
- Support BSA/AML risk assessments and coordinate responses to regulatory examinations (OCC, Federal Reserve, FDIC).
- Mentor and provide day-to-day guidance to junior and mid-level BSA analysts.
- Collaborate with Retail Banking, Commercial Lending, and Wealth Management on BSA-related issues and escalations.
- Stay current on evolving AML typologies, regulatory guidance, and industry best practices.
- Contribute to the BSA/AML policy and procedure review and update cycle.
What You’ll Need To Be Successful
- 5–8+ years of BSA/AML compliance experience at a bank, credit union, or financial institution
- Proven SAR writing and investigation experience
- Solid understanding of the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, and FinCEN guidance
- Experience with transaction monitoring platforms (e.g., Verafin, NICE Actimize, SAS)
Preferred Qualification
- Experience at a bank in the $5B–$20B asset range
- CAMS-Audit, CAMS-FCI, or CFE certification
- Familiarity with OCC Heightened Standards or FFIEC BSA/AML Examination Manual
- Knowledge of commercial banking, correspondent banking, or trade finance typologies
- Experience supporting regulatory exams or internal audits
- Advanced Excel or data analytics skills (SQL, Power BI)
- Competitive salary
- Medical, Dental, Vision, Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K
- Paid Parental Leave
- Opportunity for a performance based bonus based on position and department