The primary purpose of this position is to assist TBACU to live out its mission, “To serve our community and build trusted relationships.” A key component of this service is to identify members’ needs and provide appropriate TBACU product solutions which ultimately helps grow the credit union. To adequately and effectively serve members and TBACU’s team members by providing prompt and accurate financial data and maintaining financial security.

Supports regulatory compliance and risk-management efforts by completing routine BSA/AML/OFAC monitoring, OFAC screening, and FinCEN information-sharing activities. This role reviews cash and suspicious activity, prepares and files required reports, and ensures documentation is accurate, timely, and consistent with policy. The position also supports internal audits, vendor due diligence, and control reviews.

Ensuring outstanding service to internal and external members is delivered in alignment with our Service Standards which state.

I will provide an immediate and friendly greeting.
I will service you with a smile.
I will address you by name.
I will give you my full attention.
I will make recommendations to improve your financial well-being.
I will treat you with courtesy and respect.
I will thank you for your business.
I will respond to messages before the end of the day.

ESSENTIAL FUNCTIONS

To perform this job successfully, an individual must satisfactorily perform each essential duty.

Maintain awareness of department-related federal and state regulatory changes and responsibilities, crime activity and technology trends, and effective countermeasures.
Perform routine BSA/AML/OFAC compliance monitoring activities, including daily/periodic reviews and timely documentation of results.
Complete OFAC screening, investigate potential matches, take appropriate action per policy, and maintain required records.
Perform FinCEN Information Sharing scanning and response activities, including researching potential matches and documenting outcomes.
Conduct cash transaction and suspicious activity reviews, identify higher-risk activity, and escalate findings as appropriate.
Identify reportable cash transactions and prepare, complete, and file Currency Transaction Reports (CTRs) accurately and within required timeframes.
Use the Credit Union’s vendor management system to maintain vendor records and documentation, support due diligence and ongoing monitoring activities, and produce status updates and reports.
Assist with internal audits and compliance reviews by gathering evidence, performing assigned testing, documenting results, and tracking corrective actions to completion.
Perform periodic audit testing for membership documentation and account maintenance changes (file maintenance) to confirm accuracy, completeness, approvals, and compliance with policy.
Support control reviews (as assigned) for IT/application user administration and for cash and monetary instrument handling by verifying access/authorization controls, required logs, and adherence to established procedures.
Assist with investigations and comply with regulatory requirements and internal policies.
Understand and support the Credit Union's security policies and standards.
Maintain comprehensive knowledge of credit union products and services.
Meet established position expectations.
Ability to be bonded.
Ability to clear credit and criminal history check.
Compliance with the U.S Patriot Act and the Credit Union’s Bank Secrecy and OFAC Policies and Procedures.
Compliance with the Gramm-Leach-Bliley Act and the Credit Union’s Information Security program, maintaining the privacy and security of information, systems, and locations.

DUTIES & RESPONSIBILITIES

The following statements are intended to describe the general nature and level of work being performed by the position. It is not intended to be exhaustive list of all duties, responsibilities, and skills required of this position. Other duties may be assigned to meet business needs.

Support building security efforts by assisting with access control administration, reporting and documenting security concerns/incidents, and supporting periodic facility security checks.
Assist with Business Continuity Planning (BCP) activities.
Maintain the Authorized Users List for designated systems and vendors by processing additions/removals, completing periodic access reviews, and retaining required approvals and supporting documentation.
Support fraud prevention and response efforts, including monitoring and documenting alerts/cases using the Credit Union’s fraud software; back-up the Fraud Mitigation Specialist, as needed.
Create and maintain employee training resources and job aids to support compliance and security requirements.
Identify and log the purchase of monetary instruments in accordance with BSA requirements and Credit Union procedures.
Recommend preventive, detective, and corrective controls to manage and reduce financial crime risks and assist with implementation as directed.
Participate in special projects as assigned.

QUALIFICATIONS & EXPECTATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the expectations of the person performing this job.

Ability to manage workload to meet deadlines and goals with flexibility, and determination to handle a wide variety of duties each day.
Ability to take initiative in recommending/making changes to improve efficiency.
Make recommendations concerning changes to department policies and procedures.
Self-motivated and willing to learn new technology and applications.
Strong analytical, problem-solving, and decision-making skills.
Excellent verbal and written communication skills.
Ability to work independently and as part of a team.
High attention to detail and organizational skills.
Proficient in Windows Operating System and Microsoft Office Suite/o365 Suite.
- Advanced ability and experience with using Excel.

PHYSICAL REQUIREMENTS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Ability to lift up to 25 pounds.
Able to sit or stand for 2-4 hours at a time.

WORK ENIVORMENT

Hybrid work environment available, based on the needs of the department, after successfully meeting expectations for 6 months.
Must maintain a neat and orderly work area.
Protect the confidentiality of credit union employees and members by locking door or removing items from desk/workstation when away.

EDUCATION & EXPERIENCE

High school diploma or equivalent, required.
Associate degree or equivalent combination of education and work experience in banking/financial services compliance, risk, fraud, or operations, preferred.
1-2 years in a financial institution environment with exposure to BSA/AML/OFAC, fraud operations, deposit operations, audit/compliance testing, or risk, preferred.

INTENT AND FUNCTION OF POSITION DESCRIPTIONS

All descriptions have been reviewed to ensure that essential functions and basic duties have been included. Position description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this position. In no instance should duties outlined be interpreted as all inclusive. Additional functions, duties and requirements may be assigned as deemed appropriate.