United Community Bank
BSA High Risk Portfolio Analyst II
United Community Bank, Laurens, South Carolina, United States, 29360
The High Risk Portfolio Analyst II is responsible for conducting thorough reviews and assessments of high-risk customers from a BSA/AML perspective. This role requires a disciplined, detail-oriented professional who can work independently and manage complex risk scenarios. The analyst will play a key role in safeguarding the bank from reputational and regulatory risk by ensuring compliance with internal policies and external regulations.
What You'll Do:
Perform and document due diligence and enhanced due diligence (EDD) reviews of high-risk customers Design and compile high-risk customer analysis reports for presentation to the Escalation Committee Coordinate with Financial Intelligence Unit (FIU) on fraud-related SARs and manage law enforcement inquiries Complete SARs related to suspicious activity and oversee complex EDD reviews Monitor inherently high-risk customers such as MSBs, private ATM owners, and cash-intensive businesses Research state and federal laws to understand industry requirements Maintain AML certification and gain strong working knowledge of AML solutions Mentor High Risk Portfolio Analysts I and assist management with reporting, audits, training, and escalations Serve as backup for CDD/EDD alerts, watch list alerts (including OFAC), Treasury customer reviews, and other BSA-related tasks Participate in required compliance training and special projects as assigned What We're Looking For:
A highly analytical and self-motivated professional with strong communication skills and a deep understanding of BSA/AML regulations. The ideal candidate is reliable, organized, and committed to protecting the bank from financial crime and reputational risk.
Experience:
Minimum of 5 years of experience in BSA/AML and OFAC compliance Experience managing high-risk customer reviews and SAR filings Education:
Bachelor's degree preferred CAMS, CAFP, or CBAP certification required Required Skills:
Excellent verbal and written communication skills Strong analytical and decision-making abilities Proficiency in Microsoft Office Ability to work independently and manage time effectively Comfortable interacting with all levels of bank management Commitment to compliance and continuous learning Preferred Skills:
Experience with AML software and risk reporting tools Knowledge of foreign customer identification documents and OFAC screening Familiarity with ACH and RDC customer risk assessment Position Type: Full-time, with flexibility to work evenings and weekends as needed.
Travel:
Up to 5% of travel required. Supervisory Responsibility:
This position does not have direct supervisory responsibilities. Conditions of Employment:
Must be able to pass a criminal background & credit check This is a full-time, non-remote position FLSA Status:
Non-Exempt
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
What You'll Do:
Perform and document due diligence and enhanced due diligence (EDD) reviews of high-risk customers Design and compile high-risk customer analysis reports for presentation to the Escalation Committee Coordinate with Financial Intelligence Unit (FIU) on fraud-related SARs and manage law enforcement inquiries Complete SARs related to suspicious activity and oversee complex EDD reviews Monitor inherently high-risk customers such as MSBs, private ATM owners, and cash-intensive businesses Research state and federal laws to understand industry requirements Maintain AML certification and gain strong working knowledge of AML solutions Mentor High Risk Portfolio Analysts I and assist management with reporting, audits, training, and escalations Serve as backup for CDD/EDD alerts, watch list alerts (including OFAC), Treasury customer reviews, and other BSA-related tasks Participate in required compliance training and special projects as assigned What We're Looking For:
A highly analytical and self-motivated professional with strong communication skills and a deep understanding of BSA/AML regulations. The ideal candidate is reliable, organized, and committed to protecting the bank from financial crime and reputational risk.
Experience:
Minimum of 5 years of experience in BSA/AML and OFAC compliance Experience managing high-risk customer reviews and SAR filings Education:
Bachelor's degree preferred CAMS, CAFP, or CBAP certification required Required Skills:
Excellent verbal and written communication skills Strong analytical and decision-making abilities Proficiency in Microsoft Office Ability to work independently and manage time effectively Comfortable interacting with all levels of bank management Commitment to compliance and continuous learning Preferred Skills:
Experience with AML software and risk reporting tools Knowledge of foreign customer identification documents and OFAC screening Familiarity with ACH and RDC customer risk assessment Position Type: Full-time, with flexibility to work evenings and weekends as needed.
Travel:
Up to 5% of travel required. Supervisory Responsibility:
This position does not have direct supervisory responsibilities. Conditions of Employment:
Must be able to pass a criminal background & credit check This is a full-time, non-remote position FLSA Status:
Non-Exempt
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.