Capitalbankmd
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 nationwide 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 ongoing 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, stay 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.
Builds 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 analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus to present the best solution.
Understands, follows and executes the Bank’s Policies and Procedures.
Completes alert reviews, case investigations, internal referrals (QARs), and SAR filings as required.
Reviews and independently assesses 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.
Monitors and stays current with BSA/AML and OFAC regulatory developments and best practices. Must have knowledge of AML, BSA and OFAC regulations, along with experience implementing and administering those requirements.
Escalates any customers outside the Bank’s risk tolerance to the AVP, FIU Investigations Manager and SVP, BSA/AML/OFAC Officer.
Assists with ad-hoc projects that relate to the FIU.
Utilizes transaction monitoring and case management systems (as available), vendor solutions, and open-source tools to conduct investigations.
Compares observed activity with client KYC and expected activity profiles for anomalous transactions or behaviors.
Prepares observations from review and analysis through compiling of review notes, documentation, and resolution.
Performs other duties and projects as assigned.
Ten years of 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 related roles.
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 data manipulation, sorting, use of functions, VLOOKUP, and pivot tables.
Microsoft Office tools such as Word, Excel, PowerPoint, Access, OneNote, and Teams.
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.
Certifications 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)
Compliance It is the responsibility of each bank staff member and management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.
The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at any time at management’s discretion. The job description is not intended to create contractual obligations of any kind.
Capital Bank, N.A. is an affirmative action and equal opportunity employer
Qualifications
Skills
Behaviors
Motivations
Education
Experience
Licenses & Certifications 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.
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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 nationwide 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 ongoing 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, stay 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.
Builds 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 analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus to present the best solution.
Understands, follows and executes the Bank’s Policies and Procedures.
Completes alert reviews, case investigations, internal referrals (QARs), and SAR filings as required.
Reviews and independently assesses 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.
Monitors and stays current with BSA/AML and OFAC regulatory developments and best practices. Must have knowledge of AML, BSA and OFAC regulations, along with experience implementing and administering those requirements.
Escalates any customers outside the Bank’s risk tolerance to the AVP, FIU Investigations Manager and SVP, BSA/AML/OFAC Officer.
Assists with ad-hoc projects that relate to the FIU.
Utilizes transaction monitoring and case management systems (as available), vendor solutions, and open-source tools to conduct investigations.
Compares observed activity with client KYC and expected activity profiles for anomalous transactions or behaviors.
Prepares observations from review and analysis through compiling of review notes, documentation, and resolution.
Performs other duties and projects as assigned.
Ten years of 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 related roles.
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 data manipulation, sorting, use of functions, VLOOKUP, and pivot tables.
Microsoft Office tools such as Word, Excel, PowerPoint, Access, OneNote, and Teams.
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.
Certifications 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)
Compliance It is the responsibility of each bank staff member and management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.
The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at any time at management’s discretion. The job description is not intended to create contractual obligations of any kind.
Capital Bank, N.A. is an affirmative action and equal opportunity employer
Qualifications
Skills
Behaviors
Motivations
Education
Experience
Licenses & Certifications 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.
#J-18808-Ljbffr