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BSA Officer- Commercial Bank Millyard Bank Nashua, NH Job Details Full-time 1 day ago Benefits Health insurance Dental insurance 401(k) Flexible spending account Tuition reimbursement Paid time off Parental leave Vision insurance 401(k) matching Life insurance Retirement plan Qualifications KYC Transaction monitoring Staff supervision Internal controls Investigations regulatory compliance Writing skills Coaching Investigative financial records analysis Industry knowledge of banking risk management Project coordination Internal investigations Criminal Justice Investigative data analysis Suspicious activity report (SAR) preparation Regulatory submissions Business Customer identification program (CIP) Project leadership Banking internal controls General management Office of Foreign Assets Control (OFAC) Board relations Anti-money laundering investigation Full Job Description

POSITION SUMMARY

Leads and administers the Bank's risk-based BSA/AML and OFAC compliance programs while remaining actively involved in hands-on transaction monitoring, investigations, CDD/EDD, and regulatory reporting. Provides leadership, guidance, program oversight, management and Board reporting, and coordination of examinations and remediation.

ESSENTIAL FUNCTIONS

The Bank will provide reasonable accommodation to enable qualified individuals with disabilities to perform the essential functions of the position.

• Serve as the Bank's designated BSA Officer, subject to formal designation by the Board, with responsibility for day-to-day administration of the BSA/AML and OFAC compliance programs.
• Maintain and recommend updates to risk-based BSA/AML policies, procedures, internal controls, and monitoring processes consistent with regulatory requirements and the Bank's risk profile.
• Lead the BSA function, assign and review analyst work, coach staff, establish priorities, monitor deadlines, and provide performance input or supervision as assigned.
• Personally conduct transaction monitoring, alert review, complex investigations, customer activity analysis, CDD, and EDD, including high-risk customer reviews and periodic risk reassessments.
• Oversee the FCRM monitoring system, alert parameters, workflows, documentation standards, quality assurance, and escalation processes; coordinate improvements and validation with appropriate partners.
• Oversee timely and accurate CTR filing, SAR investigations and filings, required SAR continuing activity reviews, OFAC screening and escalations, and Section 314(a) processes.
• Lead suspicious activity case reviews and SAR decision-making under Bank governance; ensure filing decisions, supporting narratives, documentation, confidentiality, and deadlines are appropriately managed.
• Coordinate the Bank-wide BSA/AML risk assessment, identify emerging risks, and recommend practical mitigation strategies.
• Provide regular, meaningful reporting to senior management and the Board or designated committee on BSA/AML program performance, significant risks, SAR/CTR trends, findings, and corrective actions.
• Coordinate regulatory examinations, independent BSA testing, internal audits, responses, and tracking of remediation through completion.
• Develop and coordinate role-appropriate BSA/AML and OFAC training for employees and the Board, and serve as an accessible technical resource to business lines.
• Partner with Retail, Lending, Deposit Operations, Information Technology, and other functions to address risks and support sound controls without assuming their routine processing responsibilities.
• Monitor regulatory developments, assess program impacts, and propose changes to policies, processes, and staffing resources.
• Ensure records, investigation materials, regulatory filings, and confidential information are securely maintained and retained in accordance with applicable requirements.
• Perform other related BSA/AML duties as assigned.

This description identifies the principal responsibilities of the position and does not exclude other occasional duties or accountabilities.

REQUIRED KNOWLEDGE, SKILLS, AND ABILITIES

• Bachelor's degree in business, finance, accounting, criminal justice, or a related field, or equivalent relevant experience.
• Five or more years of progressively responsible BSA/AML compliance experience in banking, including complex investigations and regulatory filings; community bank experience preferred.
• Demonstrated knowledge of BSA/AML, OFAC, CIP, CDD/EDD, CTR, SAR, Section 314(a), and risk-based compliance controls.
• Experience managing or leading BSA processes, staff, examinations, independent testing, and remediation efforts.
• Strong investigative judgment, SAR narrative writing, data analysis, and familiarity with transaction monitoring systems.
• Ability to communicate effectively with senior management, the Board, examiners, and frontline employees.
• Strong organizational, leadership, coaching, confidentiality, and project management skills.
• CAMS or comparable professional certification preferred, not required.

SUPERVISORY RESPONSIBILITIES

BSA Analyst

PHYSICAL DEMANDS/WORK ENVIRONMENT

The employee must be able to sit or stand for extended periods, use a computer keyboard and mouse, reach at or below shoulder level, lift up to 25 pounds, and perform light pushing or pulling. Close vision is required for computer work. The work environment may be moderately noisy and may require occasional standing or walking between workstations. The Bank is an Equal Opportunity Employer. All qualified applicants receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by applicable law.

Benefits:

401(k) 401(k) matching Dental insurance Flexible spending account Health insurance Life insurance Paid time off Parental leave Retirement plan Tuition reimbursement Vision insurance

Work Location:

In person