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Job Description

The Financial Crimes Risk Manager will manage the assessment of financial risk of customers, ensuring the Bank’s compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering activity, financial crimes and/or terrorist financing.

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Summary: The Financial Crimes Risk Manager will manage and ensure the bank’s compliance with the assessment of financial risk of customer’s,  ensuring the Bank’s compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering activity, financial crimes and/or terrorist financing. Oversee High Risk Customer and Account reviews and investigations in support of the bank’s compliance with Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations, the Office of Financial Asset Control by performing the following duties and to mentor other analyst performing similar tasks.

Duties and Responsibilities include the following:

•    Develops and manages high risk identification, monitoring, and reporting procedures to ensure effectiveness and compliance with banking regulations. Makes improvements to policies and procedures to maximize departmental resources. 

•    Oversees the development of curriculum and training plans for employees on the Financial Crimes Risk Management (FCRM) High Risk Customer/Account Monitoring Team.

•    Supervises the assigned FCRM Analysts’ production through review of work, allocating resources, setting priorities and progressing team members’ technical skills and knowledge.

•    Oversees scheduled Enhanced Due Diligence (EDD) reviews of accounts deemed as high risk, including but not limited to Money Service Businesses (MSBs), Marijuana/Cannabis-related Businesses (including those adjacent to this industry), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PSPs), Non-Resident Alien (NRA), Privately-Owned ATM Operators (POATMs), Crypto-Currency, etc.; documents EDD monitoring and tags accounts appropriately in Verafin.

•    Reviews reports in Verafin to determine if there are Non-Government Organizations (NGOs) Marijuana Related Businesses, or Money Services Businesses unidentified in the financial crimes surveillance system. Adds tags and comments as needed.
•    In conjunction with the Director of Financial Crimes Risk Management, implements legislative and regulatory requirements related to the BSA and other anti-money laundering.  
•    Prepares for and coordinates regulatory and audit compliance examinations as it relates to High Risk Customer and Account processes and procedures.
•    Conducts due diligence research/investigations on potentially high-risk new and existing customers. Ensure ongoing due diligence efforts are maintained while identifying substantive changes to customer information or status.
•    Instructs direct reports on searches utilizing Internet sources and/or third-party vendors to determine negative news and obtain due diligence information for prospects and new/existing customers.
•    Communicates effectively with peers, front-line and management when requesting information or documentation and addressing concerns or findings.
•    Adheres to all designated time frames, manage workflow to the specified deadlines and complete responsibilities in a satisfactory manner.
•    Thoroughly documents findings by preparing management reports in a manner that is clear and comprehensible to the Director of