Job Description

Essential Duties & Responsibilities

• Lead, coach, and develop a team of BSA/AML investigators, establishing performance expectations and providing ongoing feedback and guidance.
• Oversee investigations involving transaction monitoring alerts, suspicious activity referrals, escalations, and other financial crime matters.
• Review complex and high-risk investigations and provide direction regarding investigative strategy, documentation, disposition, and escalation.
• Ensure investigations are completed thoroughly, accurately, and within established regulatory and internal timeframes.
• Review and oversee the preparation of Suspicious Activity Reports (SARs), ensuring investigative narratives and supporting documentation meet quality and regulatory standards.
• Ensure SAR filings are completed accurately and timely with FinCEN.
• Analyze complex financial activity to identify suspicious patterns, behaviors, trends, and emerging financial crime risks.
• Identify significant or potentially systemic risks and escalate matters to appropriate Compliance leadership.
• Oversee transaction monitoring alerts and suspicious activity referrals while ensuring investigative decisions are supported by appropriate evidence and risk-based rationale.
• Conduct quality assurance reviews to improve investigative consistency, accuracy, and effectiveness.
• Monitor investigator workloads, case inventories, aging, and productivity to ensure timely case resolution and appropriate resource allocation.
• Develop and maintain BSA/AML investigation procedures, quality-control processes, policies, and performance metrics.
• Provide management reporting regarding investigation volumes, aging, trends, outcomes, and key risk indicators.
• Partner with BSA/AML Compliance, Fraud, Sanctions/OFAC, Legal, Risk, and Operations teams on complex investigations.
• Support regulatory examinations, internal audits, independent testing, and other BSA/AML compliance reviews.
• Assist with enhancements to transaction monitoring systems, investigative processes, and financial crime controls.
• Stay current on regulatory developments, enforcement actions, financial crime typologies, and industry best practices.

Qualifications

• Bachelor's degree in Business, Criminal Justice, Finance, or a related field preferred; equivalent professional experience may be considered.
• Bilingual - English & Spanish
• Minimum 5+ years of experience in BSA/AML, financial crime investigations, fraud, or related compliance functions.
• Minimum 2+ years of management or team-lead experience overseeing BSA/AML investigators or compliance professionals.
• Strong knowledge of BSA/AML, AML/CFT, OFAC, FinCEN requirements, suspicious activity investigations, and financial crime risk management.
• Hands-on experience with transaction monitoring, case management, fraud detection, sanctions screening, or AML investigative platforms.
• Demonstrated experience reviewing and/or approving SARs and complex investigations.
• Strong understanding of investigative methodologies, documentation standards, and risk-based decision-making.

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