Origin Bank
Overview
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Financial Crimes Risk Analyst
role at
Origin Bank . This role is focused on ensuring the Bank’s compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity related to potential money laundering, financial crimes, and/or terrorist financing. The FCRM Analyst assesses the financial crimes risk of customers to ensure compliance with BSA/AML requirements including CIP, CDD, EDD, and beneficial ownership. Duties and Responsibilities
Performs scheduled Enhanced Due Diligence (EDD) reviews of high‑risk accounts, 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, and related items; documents EDD monitoring and tags accounts appropriately in Verafin Analyzes transactional account trends and identification documentation to document a conclusion after completing 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 the proper method to review such accounts and report suspicious activity, document relationships and/or recommend account closure if necessary Reviews Verafin reports to determine if NGOs, MRBs, or MSBs are unidentified in the BSA system; adds tags and comments as needed Evaluates activity in Privately Owned ATMs (POATMs) or MSBs to determine any 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 documentation/information necessary to complete investigations or reviews of high‑risk accounts Tracks documentation required on all MSBs and works with retail and lending staff to resolve exceptions Processes alerts in Verafin that reflect Privately‑Owned ATM 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 Verafin alerts for red flags or new account scenarios and determines 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 regulations and patterns of behavior that indicate suspicious activity Stays up‑to‑date on policies and regulations related to AML schemes and characteristics Supports 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; strong technical troubleshooting and ability to juggle multiple complex projects Problem Solving – Identifies and resolves problems in a timely manner; analyzes information; works well in group problem solving; reason responsibly in confidential topics Interpersonal Skills/Customer Service – Maintains confidentiality; open to others’ ideas; preserves commitments Oral and Written Communication – Communicates clearly; listens; interprets written information Teamwork – Builds positive team spirit; supports team success Organizational Support – Follows policies and completes administrative tasks accurately and on time Judgment and Motivation – Exercises sound judgment; explains reasoning; involves appropriate people in decisions Planning/Organizing – Prioritizes and plans work; uses time efficiently Professionalism – Treats others with respect; remains composed under pressure Quality and Quantity – Demonstrates accuracy and thoroughness; completes work timely Adaptability – Adapts to changes and manages competing demands Attendance/Punctuality and Dependability – Is reliable; follows instructions; commits to long hours when necessary Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. 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). Other Skills
Maintains knowledge of BSA, USA PATRIOT Act, OFAC, and bank policies; understands how to operate systems used to obtain customer information, transaction history, and archive reports for the BSA program. Bank Culture/Customer Service
Ability to interact and communicate appropriately with employees, customers, and supervisors; serves internal and external customers and supports Origin Bank’s marketing efforts. Physical Demands
Typical duties require standing, walking, sitting, using hands, speaking, and hearing; occasional bending, reaching, and lifting up to 25 pounds; vision requirements apply. Work Environment
Noise level is usually moderate. Additional Information
This job description reflects management’s assignment of essential functions. It does not prescribe or restrict tasks that may be assigned. Origin Bank may modify or adjust the position to meet changing needs. This description is not a contract and may be adjusted at management’s discretion. Equal Opportunity Employer. All qualified applicants will receive consideration 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 laws. Know Your Rights. Remote positions are intended to be filled in states within our footprint (AL, FL, LA, MS, TX); exceptions require regulatory review and approval.
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Join to apply for the
Financial Crimes Risk Analyst
role at
Origin Bank . This role is focused on ensuring the Bank’s compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity related to potential money laundering, financial crimes, and/or terrorist financing. The FCRM Analyst assesses the financial crimes risk of customers to ensure compliance with BSA/AML requirements including CIP, CDD, EDD, and beneficial ownership. Duties and Responsibilities
Performs scheduled Enhanced Due Diligence (EDD) reviews of high‑risk accounts, 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, and related items; documents EDD monitoring and tags accounts appropriately in Verafin Analyzes transactional account trends and identification documentation to document a conclusion after completing 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 the proper method to review such accounts and report suspicious activity, document relationships and/or recommend account closure if necessary Reviews Verafin reports to determine if NGOs, MRBs, or MSBs are unidentified in the BSA system; adds tags and comments as needed Evaluates activity in Privately Owned ATMs (POATMs) or MSBs to determine any 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 documentation/information necessary to complete investigations or reviews of high‑risk accounts Tracks documentation required on all MSBs and works with retail and lending staff to resolve exceptions Processes alerts in Verafin that reflect Privately‑Owned ATM 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 Verafin alerts for red flags or new account scenarios and determines 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 regulations and patterns of behavior that indicate suspicious activity Stays up‑to‑date on policies and regulations related to AML schemes and characteristics Supports 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; strong technical troubleshooting and ability to juggle multiple complex projects Problem Solving – Identifies and resolves problems in a timely manner; analyzes information; works well in group problem solving; reason responsibly in confidential topics Interpersonal Skills/Customer Service – Maintains confidentiality; open to others’ ideas; preserves commitments Oral and Written Communication – Communicates clearly; listens; interprets written information Teamwork – Builds positive team spirit; supports team success Organizational Support – Follows policies and completes administrative tasks accurately and on time Judgment and Motivation – Exercises sound judgment; explains reasoning; involves appropriate people in decisions Planning/Organizing – Prioritizes and plans work; uses time efficiently Professionalism – Treats others with respect; remains composed under pressure Quality and Quantity – Demonstrates accuracy and thoroughness; completes work timely Adaptability – Adapts to changes and manages competing demands Attendance/Punctuality and Dependability – Is reliable; follows instructions; commits to long hours when necessary Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. 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). Other Skills
Maintains knowledge of BSA, USA PATRIOT Act, OFAC, and bank policies; understands how to operate systems used to obtain customer information, transaction history, and archive reports for the BSA program. Bank Culture/Customer Service
Ability to interact and communicate appropriately with employees, customers, and supervisors; serves internal and external customers and supports Origin Bank’s marketing efforts. Physical Demands
Typical duties require standing, walking, sitting, using hands, speaking, and hearing; occasional bending, reaching, and lifting up to 25 pounds; vision requirements apply. Work Environment
Noise level is usually moderate. Additional Information
This job description reflects management’s assignment of essential functions. It does not prescribe or restrict tasks that may be assigned. Origin Bank may modify or adjust the position to meet changing needs. This description is not a contract and may be adjusted at management’s discretion. Equal Opportunity Employer. All qualified applicants will receive consideration 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 laws. Know Your Rights. Remote positions are intended to be filled in states within our footprint (AL, FL, LA, MS, TX); exceptions require regulatory review and approval.
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