The BSA Analyst synthesizes data and information on credit union transactions regarding Bank Secrecy Act (BSA)/anti-money laundering (AML) regulations, including Know Your Customer (KYC) and Customer Identification Program (CIP) requirements, and Office of Foreign Assets Control (OFAC) requirements. Under management oversight, the BSA Analyst conducts day to day AML program responsibilities including effective transaction monitoring and member account oversight to identify risk and suspicious activity. Upon identification, takes appropriate steps and actions to protect the credit union and ensure compliance with federal and state laws and regulations. + Supports WPCU’s BSA/AML/OFAC program by conducting in-depth investigations for potentially suspicious activity for member transaction activity including, but not limited to flow of funds, funnel accounts, human trafficking, elder abuse, international activity, marijuana related business activity, money laundering, and fraud. In addition, provides Suspicious Activity Report (SAR) recommendations with supporting documentation, drafts the SAR for filing (if necessary), and documents the investigation results to meet record retention requirements. Conducts periodic enhanced due diligence reviews and annual exempt member reviews to identify activity that may not align with the business nature/industry and/or member due diligence profile. Partner with applicable business units or communicate with members to capture/ update CIP or member due diligence information. Identify and escalate anomalous trends for potentially connected activity, i.e., fraud rings, drug trafficking or human trafficking schemes, or large group money laundering schemes. Analyzes cash reports to determine if a Currency Transaction Reports (CTR) is required and drafts the CTR for filing. Reviews and responds to 314(a) potential matches for information sharing or received law enforcement requests. Reviews potential OFAC matches in compliance with the OFAC program. Ensures proper adherence to policies, procedures, risk mitigation activities, and operating controls. Reports gaps in processes and operating controls to management to ensure risk mitigation. (60%) + Research compliance inquiries related to BSA and provides guidance to the business; (10%) + Assists with developing and revising practices and procedures as they relate to the AML program; (10%) + Supports the oversight of regulatory compliance audits and/or examinations; (10%) + Provides and/or monitors BSA training, as necessary. Participates in site visits or member center visits due to abnormal or suspicious activity that would require further analysis based on risk categories or to conduct member center specific training. (5%) + Other duties as assigned. (5%) Required Skills The BSA Analyst maintains working knowledge of BSA/AML laws and regulations, federal and state credit union regulations, as well as operating areas, functions, and products and of WPCU. The following are also preferred: + A Bachelor’s degree in a business discipline. + Applicable certification such as Certified Anti-Money Laundering Specialist (CAMS), Bank Secrecy Act Credit Union Specialist (BSACS) or Certified Anti-Money Laundering Fraud Professional (CAFP). At least 6 years’ experience in a depository financial institution with at least 5 years’ experience in a BSA/AML compliance role or comparable experience is required. + Extraordinary attention to detail and problem-solving abilities. + Ability to work under pressure and adaptable to changing conductions, including adjusting priorities on the fly. + Ability to work independently in a fast-paced environment with tight deadlines. + Takes initiative to learn, develop oneself and see tasks through from start to finish. + Excellent written and verbal communication skills. + Strong analytical and research skills with ability to analyze large amounts of data. Ability to multi-task and meet deadlines against a high-volume work schedule. Required Experience