Job Description

About Us: TBO Bank (AKA The Bank of Opportunity) has been serving customers from our hometown location in Orrick, Missouri. We’ve taken pride in building banking relationships that have spanned decades.

Now we’re bringing “the feel” of hometown banking to a broader landscape. Our mission: to connect and empower in a way that is human, relatable and real. As we expand the reach of our relationships, you can feel secure working for a bank that just gets it.

Position Summary/Objective

TBO Bank is seeking an experienced BSA/AML analyst to support the various BSA and Compliance functions across the bank. Under general supervision, following established policies and procedures, maintains knowledge of rules and regulations governing the bank including the Bank Secrecy Act (BSA). Responsible for the timely and accurate delivery of reports to support the overall Compliance/Risk Management Department. Assists and educates employees in meeting compliance training requirements and responds to questions and/or provides information upon request from members (internal and external).

Essential Functions

• Review daily/weekly/monthly reporting associated with transaction activity, kiting suspects, cash aggregation, etc.
• Assist with system alerts, and the monitoring for suspicious patterns/activity and fraud on customer accounts
• Complete suspicious activity report investigations, as well as high-risk customer and account reviews
• Conduct enhanced due diligence reviews which includes research, gathering of supporting documentation, writing narratives, as well as giving recommendations on customer relationships
• Assist in the preparation and filing of Currency Transaction Reports (CTRs) within the regulatory guidelines and requirements
• Conduct new account reviews to ensure compliance with all Customer Identification Program (CIP) requirements
• Assist in ongoing monitoring of Bank customers against OFAC watchlists and FinCEN 314(a) lists, including the research and disposition of potential matches
• Perform regular internal testing and audits across the bank’s BSA, compliance, and operational functions, to help ensure adherence to internal policy and regulatory requirements

Experience & Qualifications:

• Minimum (3) or more years of experience in a bank or other financial institution, specifically in a BSA/Compliance function.
• Bachelor’s degree in Business, Accounting, Finance or related field preferred.
• Strong analytical, communication, and interpersonal skills.
• Proficient in Microsoft Office software.

Physical Requirements:

• Ability to sit or stand for extended periods while working at a desk or computer.
• Must be able to use a computer and other office equipment (e.g., phone, printer).
• Ability to communicate effectively in person, via phone, and through written correspondence.
• Ability to concentrate and focus on tasks for extended periods in a fast-paced environment.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

*TBO Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

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