AML/CFT Fraud Analyst II

Who We Are: 

FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.

What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.

If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!

Recent Achievements Speak Louder Than Words:

• 2024 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets 
• 2023 - American Banker - "Top 5" Community Bank in the Country #4 
• 2023 - OTCQX - Best 50 Companies #3 
• 2023 - 5-star Rating Bauer Financial 

What You Should Expect While Working at FFB:

• Company ownership through our Employee Stock Ownership Program (ESOP)
• A friendly, close-Knit work culture that encourages growth 
• Opportunities to Participate in Community Networking Events 
• Benefits Package

o Medical/Dental/Vision

o Life Insurance

o Paid Vacation

o 401(k) Retirement Plan

o Training & Development

o Tuition Reimbursement

o Employee Assistance Program

o Internal Job Posting & Referral Program

Ideal Candidate: 

FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways: 

• Teamwork – We collaborate, hold each other accountable, and win together. 
• Relationship – We are trustworthy, transparent, and respectful. 
• Authentic – We are humble, vulnerable, and we speak up. 
• Commitment – We are owners...Be hungry, responsive, and have a sense of urgency.

About the Position:  

The AML/CFT Fraud Analyst II supports the Director of AML/CFT in the implementation and administration of the BSA compliance program. The AML/CFT Fraud Analyst II performs various quality control reviews and monitoring pertaining to the Bank Secrecy Act, USA PATRIOT Act, Anti-Money Laundering Program, Fraud, OFAC and Customer Identification programs using industry standards and regulatory guidance to ensure the bank’s compliance efforts are maintained daily. 

Essential Duties:  

• Maintains a proficient knowledge of the current BSA and all related anti-money laundering and OFAC regulations.
• Maintains proficient knowledge of all federal and state laws and regulations.
• Maintains a working knowledge of the bank’s policies and procedures.
• Assists Compliance Manager/BSA Officer in management of regulatory exams and due diligence requests related to BSA/AML/CFT/Fraud
• Monitors BSA/AML/Fraud software daily alerts, trends and potential unusual or suspicious activity.
• Manages, delegates, and monitors BSA/Fraud alerts and referrals to identify and report suspicious activity.
• Prepares alert analysis for potential fraudulent transactions within utilized monitoring platform
• Prepares and files Suspicious Activity Reports (SARs), as appropriate, based on alerts and referrals.
• Maintains supporting documentation for all SARs and potential SARs.
• Performs timely periodic review and analysis of high-risk customers. Retains all files.
• Manages and monitors BSA/Fraud staff high risk analysis to ensure zero late filings and analytical reviews.
• Manages and monitors OFAC screenings to determine potential OFAC matches.
• Creates monthly reports for the Compliance Officer in the following areas:
• Fraud related high risk customer reviews.
• SARs and PSARs filed.
• Provides feedback to the Compliance Officer for potential control weaknesses, staff training needs, policy or procedure enhancements and/or ongoing system errors.
• Provides cross-training to BSA/Compliance staff on software and BSA/Fraud processes.
• Monitors regulatory updates as related to BSA/AML/CFT/Fraud, including FinCEN, OFAC, FDIC and other regulatory agencies. 
• Prepares and publishes Compliance bulletins and information related to BSA/AML/CFT/Fraud updates and changes. 
• Monitors record retention.
• Assists in the implementation of training programs related to BSA/AML/Fraud program/policies and procedures.
• Assists in the development of bank forms, notices, bulletins, and procedures to maintain compliance with BSA/AML/Fraud regulations.
• Assists in the preparation and update of the BSA Risk Assessment, BSA policies and procedures.
• Assists in the administration of the BSA/AML/Fraud software monitoring system.
• Assists bank staff with BSA/AML/Fraud related questions or research.
• Assists with special projects/ duties as directed.
• Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 
• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations, and adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
• Follows policies and procedures; completes administrative tasks correctly and on time, including mandatory Bank Compliance Training; supports the Bank’s goals and values; benefits the bank through outside activities.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

• Bachelor’s degree from a college or university preferred. 
• Minimum 6 years of banking experience in risk and/or compliance required.
• Advanced knowledge of BSA/AML/CFT/Fraud monitoring software.
• ACAMS or similar certification preferred. 
• Advanced organizational and personal skills.
• Ability to manage multiple BSA/AML/Fraud related tasks.
• Excellent attention to detail and analytical skills.