AML/CFT Analyst II

Description

Who We Are: 

FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.

What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.

If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!

Recent Achievements Speak Louder Than Words:

• 2024 & 2025 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets  
• 2023 - American Banker - "Top 5" Community Bank in the Country #4 
• 2023 - OTCQX - Best 50 Companies #3 
• 2023 - 5-star Rating Bauer Financial 

What You Should Expect While Working at FFB:

• Company ownership through our Employee Stock Ownership Program (ESOP)
• A friendly, close-Knit work culture that encourages growth 
• Opportunities to Participate in Community Networking Events 
• Benefits Package

o Medical/Dental/Vision

o Life Insurance

o Paid Vacation

o 401(k) Retirement Plan

o Training & Development

o Tuition Reimbursement

o Employee Assistance Program

o Internal Job Posting & Referral Program

Ideal Candidate: FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways: 

• Teamwork – We collaborate, hold each other accountable, and win together. 
• Relationship – We are trustworthy, transparent, and respectful. 
• Authentic – We are humble, vulnerable, and we speak up. 
• Commitment – We are owners...Be hungry, responsive, and have a sense of urgency.

About the Position:

The AML/CFT Analyst II supports the Director of AML/CFT in the implementation and administration of the AML/CFT compliance program. The AML/CFT Analyst II performs various quality control reviews and monitoring pertaining to the Bank Secrecy Act, USA PATRIOT Act, Anti-Money Laundering Program, OFAC and Customer Identification programs using industry standards and regulatory guidance to ensure the bank’s compliance efforts are maintained daily.  

Essential Duties:

• Maintains proficient knowledge of current AML/CFT and OFAC regulations, as well as all applicable federal and state laws and bank policies and procedures.
• Reviews daily cash reports to identify, and file required Currency Transaction Reports (CTRs), within required time limits.
• Maintains files and documentation for CTR exempt customers.
• Monitor AML/CFT software daily alerts, trends, and potential unusual or suspicious activities. 
• Investigates daily alerts and referrals to identify and report suspicious activity on simple to moderately complex cases.
• Prepares and files Suspicious Activity Reports (SARs), as appropriate, based on alerts and referrals.
• Maintains supporting documentation for all SARs and potential SARs.
• Performs timely periodic review and analysis of high-risk customers.
• Performs callback of all new deposit accounts to ensure appropriate CIP/CDD/ADD and risk score requirements are followed.
• Ensures all supporting documentation for legal entity customers are scanned and maintained in the core system.
• Prepares monthly reports for the Director of AML/CFT, covering key areas including high-risk customer reviews, CIP/CDD/EDD callback errors, SARs and PSARs filed, and CTRs filed.
• Provides feedback to the Director of AML/CFT for potential control weaknesses, staff training needs, policy, or procedure enhancements and/or ongoing system errors.
• Monitors record retention.
• Supports the implementation of training programs related to AML/CFT policies, procedures, and compliance.
• Contributes to the development of bank forms, notices, and procedures to ensure adherence to AML/CFT regulations.
• Aids in the preparation and updating of the AML/CFT Risk Assessm