Capital Bank MD
Description
About Us Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Position Purpose
The FIU Investigator II is responsible for conducting regulatory-required reviews and processes to ensure timely filing of required reporting in compliance with the Bank Secrecy Act "BSA". The FIU Investigator II must have a high-level of expertise in BSA and Anti-Money Laundering "AML" investigations, Enhanced Due Diligence "EDD" reviews, and other related financial crimes laws and regulations, directives, guidance, and best practices as well as being focused on timeliness of work volumes.
The FIU Investigators will conduct on-going reviews of alerts generated from the Bank's AML Software, case investigations, Suspicious Activity Reporting "SAR", and conduct initial and ongoing reviews of higher-risk customers. The FIU Investigator must be able to analyze critical information concerning customer and account activity, including transactional data, and conduct additional research. This is crucial in the Financial Intelligence Unit's "FIU's" mission to identify and prevent activity that is potentially linked to money laundering, terrorist financing, organized crime, and other financial crime activity.
Position Responsibilities
Maintains strict adherence to all internal SLAs and external regulatory deadlines.
Demonstrates the ability to work independently, remain organized, and prioritize work to complete multiple projects over the same time with accuracy and a high attention to detail.
Self-starting and executes tasks as assigned. Demonstrates original thinking that helps improve processes or identify trends.
Build relationships by establishing trust, confidence, and credibility with internal partners.
Provides feedback in a constructive and professional manner.
Collaborates with internal teams to establish connections across processes.\
Demonstrates superior verbal and written communication skills when working with internal partners.
Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus to present the best solution.
Ability to understand, follow and execute the Bank's Policies and Procedures.
Demonstrates the ability to complete alert reviews, case investigations, internal referrals "QARs",
Demonstrates the ability to write and file SARs
Review and independently assess Customer Due Diligence (CDD) and Enhanced Due
Diligence (EDD) to ensure the Bank has complete and accurate Know Your Customer
(KYC) profiles and Customer Identification Program (CIP) requirements during reviews of higher-risk customers and ensure all reviews have sufficient quality and information
Monitor and stay current with BSA/AML and OFAC regulatory, industry developments, and best practices. Must have knowledge of AML, BSA and OFAC regulations, along with experience implementing and administering those requirements
Escalate any customers that are identified to be outside the Bank's risk tolerance to the AVP,
FIU Investigations Manager and SVP, BSA/AML/OFAC Officer
Assists with any ad-hoc projects that relate to the FIU
Utilize transaction monitoring and case management systems (as available), vendor
solutions, and open-source tools to conduct investigations
Compare observed activity with client KYC and expected activity profiles for anomalous transactions or behaviors
Prepare observations from review and analysis through compiling of review notes, documentation, and resolution.
Performs other duties and projects as assigned
Minimum Education & Experience
10 years' experience within Investigations with a financial institution or payment-focused company
Five years of experience within a direct BSA-related role with focus on AML/BSA EDD
Investigations or High-Risk Customer Investigations with a financial institution or payment focused company
Two or more years of SAR/No SAR reviews
Technical Knowledge and Skills
Understanding of the U.S. payments regulatory landscape
Experience conducting AML/EDD investigations and filing Suspicious Activity Reports with FinCEN
Strong analytical, organizational and communication skills
Requires Excel skills including, but not limited to, data manipulation, sorting, use of functions, VLOOKUP, and pivot tables.
Microsoft Office tools such as Word, Excel, PowerPoint, Access, OneNote, and Teams to execute daily work.
Creativity to go beyond current tools to deliver the best solution to a given problem
Inquisitiveness and a desire for continued self-improvement and development of new skills
Verafin experience preferred
One of the following certifications (or management approved equivalent):
Association of Certified Money Laundering Specialists:
Certified Anti Money Laundering Specialist (CAMS)
Certified KYC Associate (CKYCA)
Certified Transaction Monitoring Associate (CTMA)
Advanced CAMS Audit
Association of Certified Financial Crimes Specialists:
Certified Financial Crime Specialist
Association of Certified Fraud Examiners:
Certified Fraud Examiner (CFE)
American Bankers Association:
Certified AML and Fraud Professional (CAFP)
Certified Risk Compliance Manager (CRCM)
Compensation
Base Salary Range - $75,000 - $110,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, geographic location, and ability to meet qualifications within the job description.
Working Arrangements
This is a remote role that is operating on east coast hours.
Why Join Us?
join a growing company with a culture that fosters an entrepreneurial spirit
Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more?
Company Contributions to your 401k - Regardless of your contribution
Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities
Supporting Businesses. Helping People. Strengthening Communities. Capital Bank, N.A. is an affirmative action and equal opportunity employer
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
About Us Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.
Position Purpose
The FIU Investigator II is responsible for conducting regulatory-required reviews and processes to ensure timely filing of required reporting in compliance with the Bank Secrecy Act "BSA". The FIU Investigator II must have a high-level of expertise in BSA and Anti-Money Laundering "AML" investigations, Enhanced Due Diligence "EDD" reviews, and other related financial crimes laws and regulations, directives, guidance, and best practices as well as being focused on timeliness of work volumes.
The FIU Investigators will conduct on-going reviews of alerts generated from the Bank's AML Software, case investigations, Suspicious Activity Reporting "SAR", and conduct initial and ongoing reviews of higher-risk customers. The FIU Investigator must be able to analyze critical information concerning customer and account activity, including transactional data, and conduct additional research. This is crucial in the Financial Intelligence Unit's "FIU's" mission to identify and prevent activity that is potentially linked to money laundering, terrorist financing, organized crime, and other financial crime activity.
Position Responsibilities
Maintains strict adherence to all internal SLAs and external regulatory deadlines.
Demonstrates the ability to work independently, remain organized, and prioritize work to complete multiple projects over the same time with accuracy and a high attention to detail.
Self-starting and executes tasks as assigned. Demonstrates original thinking that helps improve processes or identify trends.
Build relationships by establishing trust, confidence, and credibility with internal partners.
Provides feedback in a constructive and professional manner.
Collaborates with internal teams to establish connections across processes.\
Demonstrates superior verbal and written communication skills when working with internal partners.
Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus to present the best solution.
Ability to understand, follow and execute the Bank's Policies and Procedures.
Demonstrates the ability to complete alert reviews, case investigations, internal referrals "QARs",
Demonstrates the ability to write and file SARs
Review and independently assess Customer Due Diligence (CDD) and Enhanced Due
Diligence (EDD) to ensure the Bank has complete and accurate Know Your Customer
(KYC) profiles and Customer Identification Program (CIP) requirements during reviews of higher-risk customers and ensure all reviews have sufficient quality and information
Monitor and stay current with BSA/AML and OFAC regulatory, industry developments, and best practices. Must have knowledge of AML, BSA and OFAC regulations, along with experience implementing and administering those requirements
Escalate any customers that are identified to be outside the Bank's risk tolerance to the AVP,
FIU Investigations Manager and SVP, BSA/AML/OFAC Officer
Assists with any ad-hoc projects that relate to the FIU
Utilize transaction monitoring and case management systems (as available), vendor
solutions, and open-source tools to conduct investigations
Compare observed activity with client KYC and expected activity profiles for anomalous transactions or behaviors
Prepare observations from review and analysis through compiling of review notes, documentation, and resolution.
Performs other duties and projects as assigned
Minimum Education & Experience
10 years' experience within Investigations with a financial institution or payment-focused company
Five years of experience within a direct BSA-related role with focus on AML/BSA EDD
Investigations or High-Risk Customer Investigations with a financial institution or payment focused company
Two or more years of SAR/No SAR reviews
Technical Knowledge and Skills
Understanding of the U.S. payments regulatory landscape
Experience conducting AML/EDD investigations and filing Suspicious Activity Reports with FinCEN
Strong analytical, organizational and communication skills
Requires Excel skills including, but not limited to, data manipulation, sorting, use of functions, VLOOKUP, and pivot tables.
Microsoft Office tools such as Word, Excel, PowerPoint, Access, OneNote, and Teams to execute daily work.
Creativity to go beyond current tools to deliver the best solution to a given problem
Inquisitiveness and a desire for continued self-improvement and development of new skills
Verafin experience preferred
One of the following certifications (or management approved equivalent):
Association of Certified Money Laundering Specialists:
Certified Anti Money Laundering Specialist (CAMS)
Certified KYC Associate (CKYCA)
Certified Transaction Monitoring Associate (CTMA)
Advanced CAMS Audit
Association of Certified Financial Crimes Specialists:
Certified Financial Crime Specialist
Association of Certified Fraud Examiners:
Certified Fraud Examiner (CFE)
American Bankers Association:
Certified AML and Fraud Professional (CAFP)
Certified Risk Compliance Manager (CRCM)
Compensation
Base Salary Range - $75,000 - $110,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as relevant experience, skill set, education, geographic location, and ability to meet qualifications within the job description.
Working Arrangements
This is a remote role that is operating on east coast hours.
Why Join Us?
join a growing company with a culture that fosters an entrepreneurial spirit
Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more?
Company Contributions to your 401k - Regardless of your contribution
Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities
Supporting Businesses. Helping People. Strengthening Communities. Capital Bank, N.A. is an affirmative action and equal opportunity employer
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.