Corporate AML/CFT Investigations Analyst - Multiple Cities
Make Choteau Home, Billings Metropolitan Area, MT, United States
*This position is available out of Billings, Bozeman, Helena, Kalispell, Lewistown, and Missoula, MT
About The Role
The AML/CFT Investigation Analyst is a vital resource for the organization’s compliance with safety and soundness regulations. The role includes performing all functions necessary to maintain compliance with the GBCI BSA/AML/OFAC Program, Policies, and Procedures as well as ensuring satisfactory ratings on all BSA Audits and Exams. Primary responsibilities involve detecting and timely reporting suspicious activity.
This is a corporate position that may be located at an available bank division across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. The entry rate for this position is $59,461.97 + / per year (calculated for Kalispell, MT).
All compensation offers are analyzed individually and take into consideration geographic location, years of experience, and educational background.
Description
Investigate accounts for potentially suspicious activity and draft Suspicious Activity Reports (SARs); report SARs to FINCEN in a timely manner; support investigative conclusions with concise, accurate, and logical summations subject to QA evaluation.
Maintain proficiency with the bank’s AML systems, core banking systems, and transaction processing systems for accurate investigations.
Maintain working knowledge of banking operations related to BSA/AML/OFAC compliance including teller functions, new account originations, wire transfers, electronic banking, and letters of credit.
Maintain advanced knowledge of money laundering red flags and typologies.
Ensure training is kept current on BSA/AML/OFAC regulations; participate in required internal and external industry training.
Assist BSA management in developing and maintaining standard processes and procedures; may participate on the CBSAT SAR Review Committee.
Perform administrative or liaison functions, including communication with management or division employees on process improvements, higher‑risk customer behaviors, and potential client disengagement.
Provide support to management and internal auditors during audits; ensure exam requests are handled timely and confidentially.
Identify issues or collaborate with other BSA operational teams involving CIP, CDD, EDD, and QA.
Comply with all company policies, applicable laws and regulations including the Bank Secrecy Act, Patriot Act, and OFAC; complete assigned online training courses and achieve passing scores.
About You
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education
Required:
Associate Degree – Two‑year college degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.
Preferred:
Bachelor’s Degree – Bachelor's degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.
Experience
Required – 3 years:
Demonstrated banking experience in branch/back‑office operations, compliance, audit, lending or a related function.
Required – 1 year:
Investigations experience preferably in law enforcement, security, fraud, or anti‑money‑laundering.
Required – Advanced / Specialized Knowledge:
Advanced knowledge of general bank products and services, particularly those offered in a community banking environment.
Required – Knowledge of BSA/AML regulations and compliance:
Knowledge of BSA reporting requirements, suspicious activity, terrorist financing, fraud, red flags, and typologies.
Preferred – Advanced / Specialized Knowledge:
Experience using Excel for data review and analysis, including Pivot Tables, charts, and Macros.
Equivalent combination of relevant education and work experience is considered: Yes
Required Skills and Abilities
Trustworthy with significant credibility, discretion, and diplomacy.
Able to interact calmly and professionally with diverse people at various levels.
Team player with customer service passion and proven ability to build rapport.
Well organized, able to prioritize and multi‑task in a fast‑paced environment with minimal supervision.
Excellent search and navigation skills.
Initiative and decision‑making ability based on regulations, company policies, knowledge, and experience.
Ability to learn other computer programs and systems quickly.
Capable of serving as a backup for other staff members.
Regular, reliable, and timely attendance.
Additional Requirements
Travel:
Occasional travel (less than 10 days per year) by automobile, commercial airlines, rental vehicles and public transportation; may lodge in public facilities.
Working Conditions:
Environment: Indoors, a climate‑controlled shared work area. Noise level: Moderate. Lifting: Sedentary work; may lift up to 10 pounds occasionally.
Vision:
Close visual acuity to prepare and analyze data and figures, view a computer terminal, and read the computer screen, printed materials, and handwritten materials.
Physical Activities:
Balancing, Climbing, Crawling, Crouching, Feeling, Fingering (daily), Grasping, Kneeling, Lifting, Pushing, Pulling, Repetitive Motion (daily), Stooping – most are infrequent or rare.
What We Offer
COMPENSATION & BENEFITS: Starting salary depends on experience and location. We offer an extensive benefits package including medical, dental, vision, life insurance, health savings account option, Employee Assistance Program, health rewards program, retirement savings plan (401(k) and Profit‑Sharing), disability benefits, education and training benefits, and discounts on banking products and services. Paid Time Off (PTO) accruals begin at .0745 per hour worked for part‑time employees and up to a maximum of 240 hours per year for certain full‑time employees. Most full‑time employees receive six paid holidays; part‑time employees receive pro‑rated paid holidays. Employees in Utah and Nevada may be eligible for pay for certain state‑recognized holidays.
We are an Equal Opportunity Employer and qualified applicants, or employees, will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable laws.
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About The Role
The AML/CFT Investigation Analyst is a vital resource for the organization’s compliance with safety and soundness regulations. The role includes performing all functions necessary to maintain compliance with the GBCI BSA/AML/OFAC Program, Policies, and Procedures as well as ensuring satisfactory ratings on all BSA Audits and Exams. Primary responsibilities involve detecting and timely reporting suspicious activity.
This is a corporate position that may be located at an available bank division across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. The entry rate for this position is $59,461.97 + / per year (calculated for Kalispell, MT).
All compensation offers are analyzed individually and take into consideration geographic location, years of experience, and educational background.
Description
Investigate accounts for potentially suspicious activity and draft Suspicious Activity Reports (SARs); report SARs to FINCEN in a timely manner; support investigative conclusions with concise, accurate, and logical summations subject to QA evaluation.
Maintain proficiency with the bank’s AML systems, core banking systems, and transaction processing systems for accurate investigations.
Maintain working knowledge of banking operations related to BSA/AML/OFAC compliance including teller functions, new account originations, wire transfers, electronic banking, and letters of credit.
Maintain advanced knowledge of money laundering red flags and typologies.
Ensure training is kept current on BSA/AML/OFAC regulations; participate in required internal and external industry training.
Assist BSA management in developing and maintaining standard processes and procedures; may participate on the CBSAT SAR Review Committee.
Perform administrative or liaison functions, including communication with management or division employees on process improvements, higher‑risk customer behaviors, and potential client disengagement.
Provide support to management and internal auditors during audits; ensure exam requests are handled timely and confidentially.
Identify issues or collaborate with other BSA operational teams involving CIP, CDD, EDD, and QA.
Comply with all company policies, applicable laws and regulations including the Bank Secrecy Act, Patriot Act, and OFAC; complete assigned online training courses and achieve passing scores.
About You
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education
Required:
Associate Degree – Two‑year college degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.
Preferred:
Bachelor’s Degree – Bachelor's degree in Business, Intelligence Studies, Accounting, Finance, Law, Criminology, or related field.
Experience
Required – 3 years:
Demonstrated banking experience in branch/back‑office operations, compliance, audit, lending or a related function.
Required – 1 year:
Investigations experience preferably in law enforcement, security, fraud, or anti‑money‑laundering.
Required – Advanced / Specialized Knowledge:
Advanced knowledge of general bank products and services, particularly those offered in a community banking environment.
Required – Knowledge of BSA/AML regulations and compliance:
Knowledge of BSA reporting requirements, suspicious activity, terrorist financing, fraud, red flags, and typologies.
Preferred – Advanced / Specialized Knowledge:
Experience using Excel for data review and analysis, including Pivot Tables, charts, and Macros.
Equivalent combination of relevant education and work experience is considered: Yes
Required Skills and Abilities
Trustworthy with significant credibility, discretion, and diplomacy.
Able to interact calmly and professionally with diverse people at various levels.
Team player with customer service passion and proven ability to build rapport.
Well organized, able to prioritize and multi‑task in a fast‑paced environment with minimal supervision.
Excellent search and navigation skills.
Initiative and decision‑making ability based on regulations, company policies, knowledge, and experience.
Ability to learn other computer programs and systems quickly.
Capable of serving as a backup for other staff members.
Regular, reliable, and timely attendance.
Additional Requirements
Travel:
Occasional travel (less than 10 days per year) by automobile, commercial airlines, rental vehicles and public transportation; may lodge in public facilities.
Working Conditions:
Environment: Indoors, a climate‑controlled shared work area. Noise level: Moderate. Lifting: Sedentary work; may lift up to 10 pounds occasionally.
Vision:
Close visual acuity to prepare and analyze data and figures, view a computer terminal, and read the computer screen, printed materials, and handwritten materials.
Physical Activities:
Balancing, Climbing, Crawling, Crouching, Feeling, Fingering (daily), Grasping, Kneeling, Lifting, Pushing, Pulling, Repetitive Motion (daily), Stooping – most are infrequent or rare.
What We Offer
COMPENSATION & BENEFITS: Starting salary depends on experience and location. We offer an extensive benefits package including medical, dental, vision, life insurance, health savings account option, Employee Assistance Program, health rewards program, retirement savings plan (401(k) and Profit‑Sharing), disability benefits, education and training benefits, and discounts on banking products and services. Paid Time Off (PTO) accruals begin at .0745 per hour worked for part‑time employees and up to a maximum of 240 hours per year for certain full‑time employees. Most full‑time employees receive six paid holidays; part‑time employees receive pro‑rated paid holidays. Employees in Utah and Nevada may be eligible for pay for certain state‑recognized holidays.
We are an Equal Opportunity Employer and qualified applicants, or employees, will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable laws.
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