Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive.With offices in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada and Texas, we’re strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted a Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities.Together, there’s no stopping you!Job Title:BSA Analyst/SpecialistJob Description:Summary:Responsible for the timely filing of all required Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), Monetary Instrument Logs (MILs), as well as compliance with other BSA recordkeeping requirements. Assists the Compliance Manager with the daily and periodic monitoring and researching of state and federal compliance requirements, acts, and laws related to the Bank Secrecy Act , Office of Foreign Assets Control (OFAC) and the USA Patriot Act to prevent money laundering, fraud and terrorism.Essential Duties and Responsibilities:
Responsible for the timely filing of Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), as well as compliance with other BSA recordkeeping requirements and reporting such as 314a and OFAC (daily).
Conduct monitoring of client activity to identify instances which may require additional reporting and/or review.
Provide training and act as the Bank’s Subject Matter Expert for associates related to the Bank's BSA Compliance Program.
Conduct High Risk Customer Account reviews, initial and ongoing.
Create and provide reports for the Board of Directors.
Act as a point of contact for Federal and State Regulatory agencies as part of routine exams.
Completes enhanced due diligence on identified customers, assesses the overall risk and completes necessary documentation of findings
Analyzes high-risk customers and other identified accounts for unusual and suspicious activity
Works collaboratively with banks to understand bank customers; communicates internally to all lines of business to obtain additional information and further documentation to complete analysis of identified accounts
Completes annual targeted reviews of customers such as; ATM owners/operators and Money Service Businesses
Files Currency Transaction Reporting Exemptions (DOEP) with FinCEN and completes the annual reviews
May perform quality control reviews of BSA team members' work (e.g. CTR, SAR, EDD, alerts, etc.)
Ensures that EDD files are maintained and thoroughly documented
Recommends customers for closure and for further investigation where risk tolerances are exceeded based on EDD reviews
Provides prompt escalation of BSA findings to appropriate management
Attends BSA training sessions as directed by management
Provides other assistance as requested to the BSA/AML Officers in the daily responsibilities of managing the Bank’s BSA/AML and OFAC Compliance Program
Other job related duties as assigned
Qualifications:
Overall knowledge of BSA/AML/USAPA/OFAC banking laws and regulations
Overall knowledge of banking products and services
Sufficient knowledge of federal and state BSA-related requirements
Ability to effectively communicate, both verbally and in writing, federal and state regulatory requirements to applicable business units and individuals
Needs to effectively work with Microsoft Office products and other computer software programs
Organizing priorities and meeting deadlines
Ability to identify unusual customer transaction patterns indicative of suspicious activity and conduct further investigation
Supervisory Responsibilities:
None
Education and/or Experience:
Minimum of 2-3 years of banking experience required
Minimum of 2-3 years of BSA/AML experience required
High school diploma or general education degree
Computer and Software Skills:
Proficient in Microsoft Office (Word, Excel)
Bankway
Salesforce
Patriot Officer
Certificates, Licenses and Registrations:
None
Equal Opportunity Statement:Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at [email protected] .Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings. If you would like more information about your EEO rights as an applicant under the law, please download the Equal Employment Opportunity is the Law poster HERE (https://link.zixcentral.com/u/324ca55e/qL5ePJcS6RG7hzIZh3soMg?u=https%3A%2F%2Fwww1.eeoc.gov%2Femployers%2Fposter.cfm) .