Origin Bank
Overview
Summary:
Assists in ensuring the Bank’s compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering activity, financial crimes and/or terrorist financing. The FCRM Analyst will assess the financial crimes risk of customers to ensure compliance with BSA/AML regulations related to customer identification procedures (CIP), customer due diligence (CDD), enhanced due diligence (EDD), and beneficial ownership (BO). Responsibilities
Performs scheduled Enhanced Due Diligence (EDD) reviews of accounts deemed high risk, including Money Service Businesses (MSBs), Marijuana or cannabis-related or cannabis-adjacent businesses (MRBs), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PEPs), Non-Resident Alien (NRA), privately-owned ATM operators (POATMs), Crypto-Currency, etc.; documents EDD monitoring and tags accounts appropriately in Verafin. Analyzes transactional account trends and documentation to conclude EDD reviews of high-risk customers; makes recommendations to accept high risk, mitigate to medium/moderate risk, or refer for account closure. Provides updated information to the Financial Crimes Risk Manager for updating/revising procedures for handling newly identified high-risk customers, including proper methods to review such accounts and to report suspicious activity, document relationships, and/or recommend account closure if necessary. Reviews Verafin reports to determine if NGO (Non-Government Organizations), MRBs (Marijuana-Related Businesses), or MSB (Money Services Businesses) are unidentified in the BSA system; adds tags and comments as needed. Evaluates transactional activity in accounts identified as POATMs or MSBs to identify unusual patterns or lack of cash activity based on trends. Stays up-to-date on MSB and MRB requirements for Louisiana, Mississippi, Texas, Alabama, and Florida as well as federal guidelines. Communicates with applicable bank personnel to obtain any further documentation or information necessary to complete investigations or reviews of high-risk accounts. Tracks documentation required on all MSBs and collaborates with retail and lending staff to resolve exceptions. Processes alerts in Verafin that reflect Privately-Owned ATM-type transactions for accounts not previously identified as POATM owners. Adds comments to new Remote Deposit Capture (RDC) accounts in Verafin with risk rating assigned. May be assigned alerts in Verafin for red flags or new account scenarios and reviews to determine if the alert can be cleared or requires further investigation. Utilizes internal bank systems and external research tools to investigate, research, and prepare documentation related to anti-money laundering investigations. Develops an understanding of the industry and AML-related regulations, as well as patterns of behavior that represent suspicious activity. Stays up-to-date on current and new policies and regulations as they relate to anti-money laundering schemes and characteristics. Supports any special projects or critical casework regarding BSA/AML matters. Supervisory Responsibilities
This job has no supervisory responsibilities. Competencies
Analytical and Design – Strong problem solving and analytical skills; technical troubleshooting and ability to manage multiple complex projects. Problem Solving – Identifies and resolves problems in a timely manner; analyzes information; works well in group problem solving; uses reason even in confidential topics. Interpersonal Skills/Customer Service – Maintains confidentiality; open to others’ ideas; responds to requests for service; meets commitments. Oral and Written Communication – Communicates clearly; listens; responds to questions; interprets written information. Teamwork – Builds positive team spirit; supports team success. Organizational Support – Follows policies and procedures; completes administrative tasks on time; supports organization’s goals. Judgment and Motivation – Exercises sound judgment; explains reasoning; includes appropriate people in decisions; makes timely decisions. Planning/Organizing – Prioritizes and plans work; uses time efficiently. Professionalism – Interacts tactfully; handles pressure; treats others with respect. Quality and Quantity – Demonstrates accuracy and thoroughness; completes work in a timely manner. Adaptability – Adapts to changes; manages competing demands; handles frequent changes or delays. Attendance/Punctuality and Dependability – Reliable and accountable; capable of long hours when necessary. Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education And/or Experience
Bachelor's degree (B.A.) from a four-year college or university preferred; minimum three years of banking experience required including recent bank BSA compliance experience within the last 12 months; or equivalent combination of education and experience. Certifications
Certified Anti-Money Laundering Specialist (CAMS) and/or Certified AML and Fraud Professional (CAFP) certification preferred or willingness to obtain within one year. Computer Skills
Knowledge of Internet, Outlook, Microsoft Word and Excel; ability to learn bank-specific software such as Verafin, IBS (Core), IBS (Teller Insight), etc. Other Skills
Maintains proficient knowledge of the rules and regulations, including the Bank Secrecy Act, USA Patriot Act, and OFAC, as well as the bank’s policies and procedures. Understands how to operate all systems and software used to obtain customer information, transaction history, and archive reports used for the BSA program. Bank Culture/Customer Service Skills
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisors. Ability to serve internal and external customers in a manner that reflects superior customer relations and supports Origin Bank’s marketing efforts. Physical Demands
Typical requirements include standing, walking, sitting, using hands to handle, and hearing; occasional reaching, climbing, stooping, kneeling, crouching, or crawling. May lift up to 25 pounds. Work Environment
Noise level is usually moderate. Equal Opportunity Employer
Origin Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Remote positions are intended to be filled within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires regulatory review and approval by management.
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Summary:
Assists in ensuring the Bank’s compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering activity, financial crimes and/or terrorist financing. The FCRM Analyst will assess the financial crimes risk of customers to ensure compliance with BSA/AML regulations related to customer identification procedures (CIP), customer due diligence (CDD), enhanced due diligence (EDD), and beneficial ownership (BO). Responsibilities
Performs scheduled Enhanced Due Diligence (EDD) reviews of accounts deemed high risk, including Money Service Businesses (MSBs), Marijuana or cannabis-related or cannabis-adjacent businesses (MRBs), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PEPs), Non-Resident Alien (NRA), privately-owned ATM operators (POATMs), Crypto-Currency, etc.; documents EDD monitoring and tags accounts appropriately in Verafin. Analyzes transactional account trends and documentation to conclude EDD reviews of high-risk customers; makes recommendations to accept high risk, mitigate to medium/moderate risk, or refer for account closure. Provides updated information to the Financial Crimes Risk Manager for updating/revising procedures for handling newly identified high-risk customers, including proper methods to review such accounts and to report suspicious activity, document relationships, and/or recommend account closure if necessary. Reviews Verafin reports to determine if NGO (Non-Government Organizations), MRBs (Marijuana-Related Businesses), or MSB (Money Services Businesses) are unidentified in the BSA system; adds tags and comments as needed. Evaluates transactional activity in accounts identified as POATMs or MSBs to identify unusual patterns or lack of cash activity based on trends. Stays up-to-date on MSB and MRB requirements for Louisiana, Mississippi, Texas, Alabama, and Florida as well as federal guidelines. Communicates with applicable bank personnel to obtain any further documentation or information necessary to complete investigations or reviews of high-risk accounts. Tracks documentation required on all MSBs and collaborates with retail and lending staff to resolve exceptions. Processes alerts in Verafin that reflect Privately-Owned ATM-type transactions for accounts not previously identified as POATM owners. Adds comments to new Remote Deposit Capture (RDC) accounts in Verafin with risk rating assigned. May be assigned alerts in Verafin for red flags or new account scenarios and reviews to determine if the alert can be cleared or requires further investigation. Utilizes internal bank systems and external research tools to investigate, research, and prepare documentation related to anti-money laundering investigations. Develops an understanding of the industry and AML-related regulations, as well as patterns of behavior that represent suspicious activity. Stays up-to-date on current and new policies and regulations as they relate to anti-money laundering schemes and characteristics. Supports any special projects or critical casework regarding BSA/AML matters. Supervisory Responsibilities
This job has no supervisory responsibilities. Competencies
Analytical and Design – Strong problem solving and analytical skills; technical troubleshooting and ability to manage multiple complex projects. Problem Solving – Identifies and resolves problems in a timely manner; analyzes information; works well in group problem solving; uses reason even in confidential topics. Interpersonal Skills/Customer Service – Maintains confidentiality; open to others’ ideas; responds to requests for service; meets commitments. Oral and Written Communication – Communicates clearly; listens; responds to questions; interprets written information. Teamwork – Builds positive team spirit; supports team success. Organizational Support – Follows policies and procedures; completes administrative tasks on time; supports organization’s goals. Judgment and Motivation – Exercises sound judgment; explains reasoning; includes appropriate people in decisions; makes timely decisions. Planning/Organizing – Prioritizes and plans work; uses time efficiently. Professionalism – Interacts tactfully; handles pressure; treats others with respect. Quality and Quantity – Demonstrates accuracy and thoroughness; completes work in a timely manner. Adaptability – Adapts to changes; manages competing demands; handles frequent changes or delays. Attendance/Punctuality and Dependability – Reliable and accountable; capable of long hours when necessary. Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education And/or Experience
Bachelor's degree (B.A.) from a four-year college or university preferred; minimum three years of banking experience required including recent bank BSA compliance experience within the last 12 months; or equivalent combination of education and experience. Certifications
Certified Anti-Money Laundering Specialist (CAMS) and/or Certified AML and Fraud Professional (CAFP) certification preferred or willingness to obtain within one year. Computer Skills
Knowledge of Internet, Outlook, Microsoft Word and Excel; ability to learn bank-specific software such as Verafin, IBS (Core), IBS (Teller Insight), etc. Other Skills
Maintains proficient knowledge of the rules and regulations, including the Bank Secrecy Act, USA Patriot Act, and OFAC, as well as the bank’s policies and procedures. Understands how to operate all systems and software used to obtain customer information, transaction history, and archive reports used for the BSA program. Bank Culture/Customer Service Skills
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisors. Ability to serve internal and external customers in a manner that reflects superior customer relations and supports Origin Bank’s marketing efforts. Physical Demands
Typical requirements include standing, walking, sitting, using hands to handle, and hearing; occasional reaching, climbing, stooping, kneeling, crouching, or crawling. May lift up to 25 pounds. Work Environment
Noise level is usually moderate. Equal Opportunity Employer
Origin Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Remote positions are intended to be filled within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires regulatory review and approval by management.
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