TITLE: Financial Crimes Compliance Analyst

LOCATION: Headquarters

REPORTS TO : Senior Vice President – Financial Crimes Compliance & BSA Officer

CLASSIFICATION: Full Time, Exempt

PAY GRADE: EX 55 ($58,459 - $85,000 annually)

AVAILABILITY: Monday-Friday 8:30am-5:00pm

Position Summary:

The Financial Crimes Compliance Analyst will be responsible for supporting various tasks for the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Combating the Financing of Terrorism (CFT), Office of Foreign Asset Control (OFAC), and Fraud spaces within Pioneer. The Financial Crime Compliance Analyst will also be responsible for analyzing transactions and reviewing account alerts across all business lines for potential Bank Secrecy Act/Anti Money Laundering red flags. Performs risk analysis, behavior reviews and account monitoring of high-risk individuals and prepares suspicious activity reports (SAR). Prepares and maintains documents and BSA/AML reports for management. Ultimately, ensuring compliance with the Bank Secrecy Act/Anti Money Laundering (BSA/AML) and related laws and regulation.

Essential Job Functions:

• Identifies customer activity deemed suspicious or potentially fraudulent and prepares monthly reports for SAR Committee review. Responsible for analyzing reports produced through BSA BAM+ software for further investigation and possible SAR filing, including:

• Alerts generated by BAM+ Scenarios

• Questionable Activity Reports

• Prepare SARs for BSA Officer Approval and file with FinCEN

• Perform periodic enhanced due diligence reviews for high-risk customers.

• Identifies potential fraud and assists in the investigation of fraud as needed.

• May assist the BSA Officer in conducting training for branch/lending operations, support units and management staff.

• Assists other Financial Crime Compliance employees in tasks necessary to perform the overall management of the Program.

• Monitors email and extract data for compliance with the BSA, USA Patriot Act and the rules of OFAC.

• Assists in the development and implementation of new banking products and/or services affected by regulations.

• Maintains detailed documentation of all processes used to satisfy above activities.

• Uses independent judgment when reviewing and analyzing reports to determine when further investigation is warranted. Reports findings to BSA Officer for further action and direction.

  Education & Experience:

• Bachelor’s degree in Business, Finance, Criminal Justice or related field required, relevant BSA/AML and/or banking experience will be considered.

• Minimum of 3 years banking experience preferred, preferably 1-2 years’ experience in a BSA or risk related field.

• Certified Anti-Money Laundering Specialists (CAMS) certification preferred.

• Knowledge of BSA monitoring software preferably BAM or BAM+ preferred.

• Knowledge of Banking Software preferably Horizon, Horizon XE, and/or Image Centre preferred.

• Above average organizational and communication skills with an ongoing sense of urgency to meet and exceed deadlines.

• High level of flexibility, willing to work a flexible schedule when needed to meet Regulatory deadlines.

• Effective interpersonal skills and the ability to work effectively across departments.

• Strong ability to analyze and report relevant data.

• Must maintain current industry knowledge and keep pace with BSA regulatory changes.

• Commitment to continuing education, attends related conferences and obtains related certifications.

• Active participation in ongoing training to stay current with compliance regulations.

  As an Equal Opportunity / Affirmative Action Employer, Pioneer Bank will not discriminate in its employment practices due to an applicant’s race, color, creed, religion, sex (including pregnancy, childbirth or related medical conditions), sexual orientation, gender identity or expression, transgender status, age, national origin, marital status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.

  The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.