BSA & Fraud Analyst I

Working at Kirtland CU is more than a job-it's a career, and one in the financial world! We pride ourselves on helping our employees learn, grow, and advance in any direction they choose. We offer a highly competitive salary, great benefits package, and an energetic, vibrant work environment. Visit our careers page on our website to view our exciting opportunities and our fantastic benefits.

We are currently seeking a BSA & Fraud Analyst I to join Kirtland Federal Credit Union!

Join the rest of our teammates and become eligible for a generous benefits package that we offer:

• Medical, Dental and Vision Insurance
• 401(k) Retirement savings program that includes employer match
• Paid time off with accrual starting from day one
• Tuition Reimbursement for College Degrees
• Employee Clothing Advance
• Paid holidays: In addition to New Year's Day, Independence Day, Veterans' Day, Thanksgiving Day, Christmas Day, Memorial Day, and Labor Day, we also observe Martin Luther King Day and President's Day.
• Fitness Reimbursement Program
• Employee Assistance Program
• Short- and Long-Term Disability
• Travel Assistance

This is what we would like you to do:

The BSA & Fraud Analyst position is responsible for reviewing transactions for possible fraud and suspicious activity on member accounts pertaining to the Bank Secrecy Act (BSA), USA Patriot Act, Anti-Money Laundering Program, Office of Foreign Assets Control (OFAC), National Automated Clearing House Association (ACH), Member Due Diligence, and Member Identification Program regulations and rules. The BSA and Fraud Analyst I will assist on dormant and escheatment processes.

Primary Job Duties:

Assume responsibility for assisting in implementing, maintaining, and monitoring the credit unions Bank Secrecy Act and Fraud programs to ensure conformity and adherence with all applicable state and federal laws and regulations.

1. Detect suspicious activity from various BSA and fraud alerts, reports, and systems.
2. Determine restriction on member accounts or other necessary actions to neutralize loss exposure and ensure compliance with regulatory guidelines.
3. Complete investigation and keep detailed documentation on confirmed suspicious activity within BSA and Fraud monitoring and tracking systems.
4. Complete subpoena research, processing, and delivery to requesting party/agency.
5. Assist to further develop documents, reports and ensure maintenance of procedures.
6. Collaborate with other departments, financial institutions, law enforcement authorities or members when researching and resolving suspicious activity.
7. Identify suspicious activities that require a Suspicious Activity Report (SAR) filing and collaborate with the BSA and Fraud Manager for filing.
8. Investigate Identity Theft Red Flag reports and document findings.
9. Develop and maintain collaborative working relationships with internal and external members by applying excellent verbal, written and telephone communication skills.
10. Make recommendations for revisions that would improve the credit union ability to deter fraud and suspicious activity.
11. Responsible for dormant and escheatment processes including member contact, closing accounts, reporting, and forwarding funds to the state.
12. Provide primary and backup coverage on processes, as needed.
13. Maintain an understanding of AML regulations; current laundering schemes; and investigative techniques required to detect such schemes.
14. Performs other duties as assigned or requested.

The incumbent must have and maintain knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act, USA Patriot Act, and Office of Foreign Assets Control (OFAC), National Automated Clearing House Association (NACHA) regulations and rules.

Performance Measurements:

1. Maintains an adequate and effective Bank Secrecy Act (BSA)/Anti-Money Laundering (AML) Program and assures that the credit union conducts its operations in compliance with BSA/AML, USA Patriot Act, OFAC, NACHA, Member Due Diligence, and Member Identification regulations and rules.
2. Effective working relations and coordination exist with related business units and branch personnel with support provided as required.
3. Subpoena processed timely and accurately
4. Dormant and escheatment processed timely and accurately.
5. Special projects are completed timely, accurately, and with little supervision.

Can you to bring to the table:

EDUCATION/CERTIFICATION: High School Diploma or equivalent

PREFERRED KNOWLEDGE:

• Knowledge of BSA compliance Knowledge of other related rules and regulations.
• Knowledge of BSA automated monitoring software.
• Knowledge of financial institution core system software.
• Knowledge of credit union policies/procedures
• Moderate to high level of skills in the use of Word & Excel

EXPERIENCE REQUIRED:

• One-year financial institution experience
• Member Service Specialist or Member Experience Specialist highly preferred but not required

SKILLS/ABILITIES:

• Ability to maintain a high degree of integrity and confidentiality
• Excellent oral, written and presentation skills
• Strong critical thinking skills
• Ability to multi-task with consistent accuracy
• Excellent analytical skills
• Interpersonal skills and ability to work well with members/staff

To apply for this exciting opportunity, visit our careers page at www.kirtlandfcu.orgcareers

Kirtland Federal Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.