Kirtland Credit Union
BSA & Fraud Analyst II
Join Kirtland Credit Union as a BSA & Fraud Analyst II. This is a full‑time, 100% on‑site position based at our Gibson Operations Center in Albuquerque. Hybrid opportunities may become available based on manager discretion after an initial period.
Benefits
Medical, Dental and Vision Insurance
401(k) Retirement savings program with employer match
Paid time off with accrual starting from day one
11 paid holidays per year
Tuition reimbursement for college degrees
Employee clothing advance
Fitness reimbursement program
Employer‑paid life insurance
Employee assistance program
Employer‑paid short‑ and long‑term disability insurance
Travel assistance program
Responsibilities
Implement, maintain, and monitor the BSA compliance program to ensure conformity with applicable state and federal laws.
Perform quality control reviews and monitoring for BSA, AML, OFAC, MDD, and MIP compliance using industry and regulatory guidance.
Research, analyze, and investigate member account behavior for potential suspicious activity or money laundering; track trends and detect unusual activity.
Review branch currency transaction reports (CTR), negotiable instruments, update monetary instrument logs, and e‑file to FinCEN in a timely manner.
Examine changes in account balances, cash structuring in deposits, loan payments, certificate of deposit purchases, wire and ACH processing to determine suspicious nature.
Conduct comprehensive investigations into suspicious activity and fraud referrals, analyzing complex accounts and transaction patterns.
Determine if a suspicious activity report (SAR) should be filed with FinCEN and compile data, create narratives, and file SAR within regulatory timeframes.
Create a monthly Board of Directors SAR report and act as backup for the BSA Fraud Manager.
Manage dormant accounts and escheat abandoned member property.
Identify high‑risk members and accounts at opening and when appropriate.
Escalate high‑risk suspicious activity to the BSA & Fraud Manager.
Assist the BSA & Fraud Manager with FISOA alerts, access cards, and related research.
Maintain access cards for new employees and handle card removal for lost, damaged, stolen, or terminated personnel.
Qualifications & Experience
Education/Certification:
Certified Bank Secrecy Act Professional (CBSAP) required, or ability to earn within 18 months; associate degree preferred; high school diploma required.
Experience:
Three years of financial institution experience, member service or teller experience highly preferred (not required).
Knowledge, skills and abilities:
• BSA compliance and related rules and regulations • BSA automated monitoring software • Financial institution core system software • Credit union policies and procedures • Proficiency in Word and Excel • Understanding of USA Patriot Act, OFAC, NACHA regulations • High integrity and confidentiality • Strong oral, written, and presentation skills • Critical thinking and analytical skills • Ability to multi‑task with consistent accuracy • Interpersonal skills and ability to work well with members and staff.
To apply for this exciting opportunity, visit our careers page at
www.kirtlandcu.org/careers .
Kirtland Credit Union is an equal opportunity employer. All aspects of employment, including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.
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Benefits
Medical, Dental and Vision Insurance
401(k) Retirement savings program with employer match
Paid time off with accrual starting from day one
11 paid holidays per year
Tuition reimbursement for college degrees
Employee clothing advance
Fitness reimbursement program
Employer‑paid life insurance
Employee assistance program
Employer‑paid short‑ and long‑term disability insurance
Travel assistance program
Responsibilities
Implement, maintain, and monitor the BSA compliance program to ensure conformity with applicable state and federal laws.
Perform quality control reviews and monitoring for BSA, AML, OFAC, MDD, and MIP compliance using industry and regulatory guidance.
Research, analyze, and investigate member account behavior for potential suspicious activity or money laundering; track trends and detect unusual activity.
Review branch currency transaction reports (CTR), negotiable instruments, update monetary instrument logs, and e‑file to FinCEN in a timely manner.
Examine changes in account balances, cash structuring in deposits, loan payments, certificate of deposit purchases, wire and ACH processing to determine suspicious nature.
Conduct comprehensive investigations into suspicious activity and fraud referrals, analyzing complex accounts and transaction patterns.
Determine if a suspicious activity report (SAR) should be filed with FinCEN and compile data, create narratives, and file SAR within regulatory timeframes.
Create a monthly Board of Directors SAR report and act as backup for the BSA Fraud Manager.
Manage dormant accounts and escheat abandoned member property.
Identify high‑risk members and accounts at opening and when appropriate.
Escalate high‑risk suspicious activity to the BSA & Fraud Manager.
Assist the BSA & Fraud Manager with FISOA alerts, access cards, and related research.
Maintain access cards for new employees and handle card removal for lost, damaged, stolen, or terminated personnel.
Qualifications & Experience
Education/Certification:
Certified Bank Secrecy Act Professional (CBSAP) required, or ability to earn within 18 months; associate degree preferred; high school diploma required.
Experience:
Three years of financial institution experience, member service or teller experience highly preferred (not required).
Knowledge, skills and abilities:
• BSA compliance and related rules and regulations • BSA automated monitoring software • Financial institution core system software • Credit union policies and procedures • Proficiency in Word and Excel • Understanding of USA Patriot Act, OFAC, NACHA regulations • High integrity and confidentiality • Strong oral, written, and presentation skills • Critical thinking and analytical skills • Ability to multi‑task with consistent accuracy • Interpersonal skills and ability to work well with members and staff.
To apply for this exciting opportunity, visit our careers page at
www.kirtlandcu.org/careers .
Kirtland Credit Union is an equal opportunity employer. All aspects of employment, including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.
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