BSA & AML Compliance Analyst

About the position Celtic Bank is seeking a Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Analyst to join its Compliance Team. The team’s mission is to help ensure the safety and soundness of the Bank while maintaining a healthy, compliant customer base. The analyst performs customer and enhanced due diligence account reviews and daily operational tasks to meet internal standards and regulatory requirements. This includes reviewing accounts for potential suspicious activity, investigating alerts, analyzing transaction activity and trends, and writing Suspicious Activity Reports (SARs). The position reports to the BSA Manager. The role operates in a professional office environment and uses standard office equipment. The work model is either fully onsite or hybrid. Utah-based employees may be eligible for a hybrid schedule after an initial training period in the Salt Lake City office, depending on department and job requirements. Employees may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions.

Responsibilities

• Investigate potential unusual activity, money laundering, fraud, or terrorist financing incidents.
• Prepare and complete required forms for regulatory filing in accordance with FinCEN guidelines.
• Provide oversight of Bank and Strategic Partnership 314(a) scrubs, ensuring they are completed and logging results.
• Provide oversight of Bank and Strategic Partnership OFAC scrubs, ensuring they are conducted and logging results.
• Review BSA-related documentation from partners to identify potential risks.
• Stay current on AML-related red flags and industry trends.
• Conduct AML investigations, including customer- and account-level research across a wide variety of data, to detect and determine suspicious or illegal activity.
• Contribute to projects that improve and optimize the Bank’s BSA/AML program.
• Collaborate with the BSA Officer, departments, and partners as needed.
• Perform other duties as assigned.

Requirements

• Bachelor’s degree in Intelligence Studies, Criminal Justice, Political Science, Law, or a related field; alternatively, at least 2 years of AML/BSA experience, including intelligence and investigative analysis, or other compliance-related experience if no degree.
• Basic working knowledge of AML/BSA regulatory compliance processes and procedures.
• Ability to identify unusual patterns and trends.
• Solid organizational, communication, and customer service skills.
• Ability to meet deadlines, work independently, and adapt to changing priorities.
• Good follow-through, attention to detail, and documentation skills.
• Solid research, analytical, and problem-solving skills.
• Good writing skills and ability to translate complex situations into clear narratives.
• Ability to think independently and defend one’s own work.
• Ability to handle delicate and/or sensitive situations.
• Ability to read, write, and understand fluent English.

Nice-to-haves

• Financial crime investigation experience or equivalent educational or job-related experience.
• Strong PC skills, particularly with MS Excel and Word.
• Experience using AML platforms.
• Working knowledge of bank operations.

Benefits

• Medical, dental, and vision coverage.
• 401(k) with employer match.
• Life and long-term disability coverage.
• HSA and FSA plans.
• Holidays and paid time off.
• Wellness program that includes catered meals three times a week, lunch-and-learns, and an onsite gym.

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