The High Risk Portfolio Analyst II is responsible for conducting thorough reviews and assessments of high-risk customers from a BSA/AML perspective. This role requires a disciplined, detail-oriented professional who can work independently and manage complex risk scenarios. The analyst will play a key role in safeguarding the bank from reputational and regulatory risk by ensuring compliance with internal policies and external regulations.

EXPERIENCE:

• Minimum of 5 years of experience in BSA/AML and OFAC compliance
• Experience managing high-risk customer reviews and SAR filings

EDUCATION:

• Bachelor’s degree preferred
• CAMS, CAFP, or CBAP certification required

REQUIRED SKILLS:

• Excellent verbal and written communication skills
• Strong analytical and decision-making abilities
• Proficiency in Microsoft Office
• Ability to work independently and manage time effectively
• Comfortable interacting with all levels of bank management
• Commitment to compliance and continuous learning

PREFERRED SKILLS:

• Experience with AML software and risk reporting tools
• Knowledge of foreign customer identification documents and OFAC screening
• Familiarity with ACH and RDC customer risk assessment

• Perform and document due diligence and enhanced due diligence (EDD) reviews of high-risk customers
• Design and compile high-risk customer analysis reports for presentation to the Escalation Committee
• Coordinate with Financial Intelligence Unit (FIU) on fraud-related SARs and manage law enforcement inquiries
• Complete SARs related to suspicious activity and oversee complex EDD reviews
• Monitor inherently high-risk customers such as MSBs, private ATM owners, and cash-intensive businesses
• Research state and federal laws to understand industry requirements
• Maintain AML certification and gain strong working knowledge of AML solutions
• Mentor High Risk Portfolio Analysts I and assist management with reporting, audits, training, and escalations
• Serve as backup for CDD/EDD alerts, watch list alerts (including OFAC), Treasury customer reviews, and other BSA-related tasks
• Participate in required compliance training and special projects as assigned