Fraud Analyst Jobs in Tyler, TX (NOW HIRING)

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If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us.

Job Description

The Financial Crimes Risk Analyst ensures the Bank's compliance with the applicable aspects of the Bank Secrecy Act (BSA), USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) regulations by monitoring, identifying, reporting, and investigating suspicious activity relative to potential money laundering activity, financial crimes and/or terrorist financing. Specifically, the Financial Crimes Risk Analyst will assess the financial crimes risk associated with various customer accounts and transactions; conducting research to determine the root cause and potential financial crimes; and ensuring the accurate and timely reporting of suspicious activity as identified via Anti-Money Laundering (AML) regulations and FinCEN guidance regarding same.

Duties and Responsibilities include the following:

• Prepares concise and thorough alert and case investigation summaries outlining relevant details to support a final outcome for possible SAR filings.
• Accurately analyzes transactional data to identify activity indicative of Money Service Businesses (MSBs), Marijuana/Cannabis-related Businesses (including those adjacent to this industry), Non-Bank Financial Institutions (NBFIs), Politically Exposed Persons (PSPs), Non-Resident Alien (NRA), Privately-Owned ATM Operators (POATMs), Crypto-Currency, etc.; Refers any such activity to the Financial Crimes High Risk Customers and Accounts team.
• Researches, analyzes and investigates customer account behavior for potential Anti-Money Laundering (AML)-related suspicious activity that is referred to case in Verafin. Determines if a Suspicious Activity Report is likely to be filed with FinCEN.
• Partners with banking center and other department employees, as necessary, in researching and investigating cases. Communicates with applicable bank personnel to obtain any further documentation and/or information necessary to complete the investigations.
• Administers essential workflow functions such as: documenting complex cases; ensuring that SAR narratives include all pertinent data elements; NO SAR decisions are thoroughly substantiated, complying with federal interagency guidance and internal Bank policies and standards; and provides draft SARs and NO SAR decisions to the applicable Financial Crimes Risk Manager for review and approval.
• Completes renewal review for continuing activity 90 days following original SAR filing. Makes recommendation to refile or close.
• Operates all systems and software programs used to obtain customer information, transaction history, and archive reports used to gather information for the FCRM program.
• Utilizes a variety of internal bank systems and external research tools to investigate, research, and prepare documentation related to anti-money laundering investigations.
• Maintains subject matter expertise of the banking/financial services industry and AML/financial crimes-related regulations, as well as typologies for suspicious activity or terrorist financing.
• Stays up-to-date on current and new policies and regulations as they relate to anti-money laundering schemes and characteristics.
• Support any special projects or critical casework regarding BSA/AML matters.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Competencies - To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Design - Strong problem solving and analytical skills required to succeed in this job; Strong technical troubleshooting skills and ability to juggle simultaneous complex projects.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations; Uses reason even when dealing with emotional or confidential topics.

Interpersonal Skills/Customer Service - Maintains confidentiality; Remains open to others' ideas and tries new things; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Able to read and interpret written information.

Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values.

Judgment and Motivation - Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.

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

High school diploma or general education degree (GED) required; Bachelor's degree from four-year college or university highly preferred; minimum three (3) years of BSA/AML/OFAC experience required including recent bank BSA compliance experience within the last 12 months. Five (5) years of banking experience (including BSA/AML/OFAC experience) is required. Prior experience with Verafin is preferred.

Certifications

Certified Anti-Money Laundering Specialist (CAMS) or other recognized AML certification preferred.

Computer Skills

To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel. Ability to learn bank-specific software such as Verafin, IBS (Core), IBS (Teller Insight), IBS (Deposit Origination), AccuSystems, nCino, Encompass, etc. Ability to use basic office machines.

Other Skills

Maintains proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act, USA PATRIOT Act, and OFAC as well as the Bank's policies, procedures, products, services, geographies, and risk profile.

Understands how to operate all systems and software programs used to obtain customer information, transaction history, and archive reports used to gather information for the BSA program.

Bank Culture/Customer Service Skills

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Physical Demands

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment

The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

Location

On-site or hybrid, depending on level of experience. The qualified applicant would need to reside within the Bank's geographic footprint (TX, LA, MS, AL, FL).

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

Our Hiring Process

The following pre-employment screenings will be completed after a conditional offer of employment has been accepted:

• Criminal Background check
• Credit check
• Fingerprint check
• Drug Screen
• OFAC check
• Reference check
• Employment verification
• Education verification

Equal Opportunity Employer. All qualified applicants will receive consideration for employment 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 federal, state, and local laws. Know Your Rights