Delta Community Credit Union
Job Description
Create your success story at Delta Community Credit Union – where opportunity meets purpose. Through our commitment to excellence, Delta Community has received numerous industry awards and earned the trust and loyalty of our employees, members and the metro Atlanta community. We value talent, encourage growth and keep community at the heart of everything we do. That’s why we’re one of Atlanta’s Best Places to Work! Whether you’re starting your professional journey or navigating the next step in your career, we invite you to join the Delta Community Credit Union team. Position
BSA Specialist Job Code-7223 Req5653 Vinings Full Time Essential Functions
Investigations & Reporting Conduct in-depth investigations of potential suspicious activity, including structuring, money laundering, fraud, and sanctions violations. Determine reportability and prepare Suspicious Activity Reports (SARs) for FinCEN submission. Review and validate Currency Transaction Reports (CTRs) for accuracy and completeness. Conduct 90‑day reviews of previously filed SARs to determine if supplemental reports are warranted. Draft clear, detailed investigative narratives and maintain complete case documentation. Lead investigations involving suspected Elder Financial Exploitation, including interviewing affected members, gathering documentation, and coordinating with law enforcement, Adult Protective Services, and internal departments as appropriate. Prepare detailed reports and support SAR filings related to exploitation activity. Monitoring & Risk Management Review and disposition AML system alerts to identify unusual or high‑risk activity. Monitor high‑risk accounts and commercial relationships; update risk profiles as needed. Maintain and document CTR exemption accounts in compliance with FinCEN requirements. Sanctions & Regulatory Requests Perform OFAC screenings and clear or elevate potential matches as appropriate. Respond to FinCEN 314(a), 314(b) subpoenas, and other law‑enforcement requests within required timelines. Support awareness of emerging sanctions programs and system updates. Collaboration & Communication Partner with the Assistant BSA Manager and BSA QC Specialist to ensure investigative quality and consistency. Provide guidance and mentoring to BSA Advisors and assist with training efforts. Serve as a departmental point of contact for inquiries from branches, the call center, internal departments, and other financial institutions related to BSA, AML, and OFAC matters. Engage directly with members as needed, ensuring compassionate, professional, and compliant communication. Collaborate with Fraud and Loss Prevention teams on cases involving potential fraud or identity theft. Communicate professionally with internal departments, auditors, examiners, and law enforcement. Quality & System Support Assist the QC Specialist with AML system testing, data validation, and parameter reviews. Participate in threshold testing and tuning to maintain effective and risk‑based monitoring. Recommend process improvements and control enhancements. Program Support & Compliance Contribute to the maintenance of departmental policies, risk assessments, and records. Support audits and examinations by providing documentation and analysis. Maintain confidentiality of all member and investigative information. Participate in professional development and stay current on evolving BSA/AML/OFAC and fraud trends. Job Qualifications
Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future. Required Minimum Qualifications
High school diploma or GED equivalent. 3+ years’ experience working in a financial services institution. 2+ years’ direct experience in a BSA/AML, financial crimes, or fraud investigation role. Must have a professional certification such as CAMS, CAFP, CBSAP or equivalent with an accredited Fraud or Bank Secrecy Act program or be able to acquire one within 12–18 months of onboarding. Demonstrated experience preparing and filing CTRs and SARs. Strong understanding of the BSA, USA PATRIOT Act, and OFAC regulations. Proficient in fraud detection principles, including identity theft, account takeover, and transactional fraud. Strong analytical, investigative, and written communication skills. Proficiency with AML case‑management systems and Microsoft Office applications. Ability to work independently, manage multiple priorities, and meet regulatory deadlines. Preferred Qualifications
Bachelor’s degree in business, finance or related field from an accredited college or university. 3+ years’ of direct experience in BSA/AML, financial crimes, or fraud investigation role, with demonstrated ability to prepare and file SARs independently. Proficiency in data analysis or business intelligence tools. Experience supporting AML system tuning, testing or validation. Intermediate level of proficiency in Excel. Employee Benefits Include
Medical, Dental and Vision Coverage Basic Life and Accidental Death & Dismemberment Insurance, Long Term Disability, Employee Assistance Program and MyAdvocate Supplemental Insurance or Voluntary Insurance 401(k) Plan with Company Match Vacation, Holidays and Personal Time Off Paid Maternity and Paternity Leave Pre‑tax Health and Dependent Care Spending Accounts Benefit Choice Program Health Reward Dollars Discount on Gym Reimbursement and Identity Theft Programs Legal Services
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Create your success story at Delta Community Credit Union – where opportunity meets purpose. Through our commitment to excellence, Delta Community has received numerous industry awards and earned the trust and loyalty of our employees, members and the metro Atlanta community. We value talent, encourage growth and keep community at the heart of everything we do. That’s why we’re one of Atlanta’s Best Places to Work! Whether you’re starting your professional journey or navigating the next step in your career, we invite you to join the Delta Community Credit Union team. Position
BSA Specialist Job Code-7223 Req5653 Vinings Full Time Essential Functions
Investigations & Reporting Conduct in-depth investigations of potential suspicious activity, including structuring, money laundering, fraud, and sanctions violations. Determine reportability and prepare Suspicious Activity Reports (SARs) for FinCEN submission. Review and validate Currency Transaction Reports (CTRs) for accuracy and completeness. Conduct 90‑day reviews of previously filed SARs to determine if supplemental reports are warranted. Draft clear, detailed investigative narratives and maintain complete case documentation. Lead investigations involving suspected Elder Financial Exploitation, including interviewing affected members, gathering documentation, and coordinating with law enforcement, Adult Protective Services, and internal departments as appropriate. Prepare detailed reports and support SAR filings related to exploitation activity. Monitoring & Risk Management Review and disposition AML system alerts to identify unusual or high‑risk activity. Monitor high‑risk accounts and commercial relationships; update risk profiles as needed. Maintain and document CTR exemption accounts in compliance with FinCEN requirements. Sanctions & Regulatory Requests Perform OFAC screenings and clear or elevate potential matches as appropriate. Respond to FinCEN 314(a), 314(b) subpoenas, and other law‑enforcement requests within required timelines. Support awareness of emerging sanctions programs and system updates. Collaboration & Communication Partner with the Assistant BSA Manager and BSA QC Specialist to ensure investigative quality and consistency. Provide guidance and mentoring to BSA Advisors and assist with training efforts. Serve as a departmental point of contact for inquiries from branches, the call center, internal departments, and other financial institutions related to BSA, AML, and OFAC matters. Engage directly with members as needed, ensuring compassionate, professional, and compliant communication. Collaborate with Fraud and Loss Prevention teams on cases involving potential fraud or identity theft. Communicate professionally with internal departments, auditors, examiners, and law enforcement. Quality & System Support Assist the QC Specialist with AML system testing, data validation, and parameter reviews. Participate in threshold testing and tuning to maintain effective and risk‑based monitoring. Recommend process improvements and control enhancements. Program Support & Compliance Contribute to the maintenance of departmental policies, risk assessments, and records. Support audits and examinations by providing documentation and analysis. Maintain confidentiality of all member and investigative information. Participate in professional development and stay current on evolving BSA/AML/OFAC and fraud trends. Job Qualifications
Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future. Required Minimum Qualifications
High school diploma or GED equivalent. 3+ years’ experience working in a financial services institution. 2+ years’ direct experience in a BSA/AML, financial crimes, or fraud investigation role. Must have a professional certification such as CAMS, CAFP, CBSAP or equivalent with an accredited Fraud or Bank Secrecy Act program or be able to acquire one within 12–18 months of onboarding. Demonstrated experience preparing and filing CTRs and SARs. Strong understanding of the BSA, USA PATRIOT Act, and OFAC regulations. Proficient in fraud detection principles, including identity theft, account takeover, and transactional fraud. Strong analytical, investigative, and written communication skills. Proficiency with AML case‑management systems and Microsoft Office applications. Ability to work independently, manage multiple priorities, and meet regulatory deadlines. Preferred Qualifications
Bachelor’s degree in business, finance or related field from an accredited college or university. 3+ years’ of direct experience in BSA/AML, financial crimes, or fraud investigation role, with demonstrated ability to prepare and file SARs independently. Proficiency in data analysis or business intelligence tools. Experience supporting AML system tuning, testing or validation. Intermediate level of proficiency in Excel. Employee Benefits Include
Medical, Dental and Vision Coverage Basic Life and Accidental Death & Dismemberment Insurance, Long Term Disability, Employee Assistance Program and MyAdvocate Supplemental Insurance or Voluntary Insurance 401(k) Plan with Company Match Vacation, Holidays and Personal Time Off Paid Maternity and Paternity Leave Pre‑tax Health and Dependent Care Spending Accounts Benefit Choice Program Health Reward Dollars Discount on Gym Reimbursement and Identity Theft Programs Legal Services
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