BSA Analyst – Financial Crime Investigations

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Patriot Bank, N.A.

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1994

🏦 Banking

💸 Finance

Banking • Finance

Patriot Bank, N. A. is a full-service financial institution headquartered in Stamford, Connecticut. It offers a wide range of personal, business, and commercial banking services, including personal checking and savings accounts, certificates of deposit, mortgage loans, and home equity options. For businesses, it provides small business checking accounts, commercial real estate loans, and various lines of credit. The bank is committed to community involvement and supports local educational programs, such as the Junior Achievement Career Speaker Series. It also offers digital solutions like online and mobile banking, ensuring accessibility and convenience for its customers.

📋 Description

• Review BSA/AML alerts generated by the Bank’s monitoring systems for unusual, potentially suspicious, or fraudulent activity • Conduct timely, accurate, and well-documented investigations involving retail banking and digital payments activity • Evaluate customer activity, transaction patterns, account behavior, and supporting documentation to determine risk-based actions • Identify BSA/AML trends, typologies, control gaps, and emerging risks, and communicate observations and recommendations to management • Document investigation findings, analysis, conclusions, and rationale according to departmental standards and audit expectations • Assist with the preparation and filing of Suspicious Activity Reports (SARs) • Partner with BSA Operations, Fraud, Retail Banking, Operations, Risk, Compliance, and program manager stakeholders • Perform or support adverse media, sanctions, PEP, and other screening reviews • Maintain current knowledge of the Bank’s products, services, customer base, and geographic footprint • Maintain proficiency in BSA/AML compliance requirements related to monitoring, investigation, escalation, and suspicious activity reporting • Provide verbal and written updates to management, business partners, and stakeholders regarding investigation results, risks, and recommended actions • Assist with special projects, remediation activities, policy and procedure updates, process improvements, and control enhancements • Report suspicious activity identified while performing job duties

🎯 Requirements

• Bachelor’s degree or equivalent work experience • Minimum of three (3) years of experience in BSA/AML, fraud, financial crime compliance, or a related risk function within a financial institution • Minimum of one (1) year of experience with card or digital payments • Strong working knowledge of BSA/AML detection, alert review, investigation practices, and digital payments risk • Ability to analyze account activity, transaction patterns, customer behavior, and investigation evidence • Excellent analytical, investigative, critical-thinking, and problem-solving skills • Strong written and verbal communication skills • High level of tact, integrity, and discretion when handling confidential information • Ability to manage multiple assignments, meet deadlines, and work independently in a fast-paced environment • Ability to collaborate effectively across teams and departments while maintaining sound risk-based judgment • Effective time management and organizational skills • Proficiency in Microsoft Office • Experience with fraud and BSA/AML monitoring software such as Verafin, Unit21, or LexisNexis preferred • Experience supporting audits, regulatory examinations, remediation efforts, or quality-control reviews preferred • Professional certification such as CAMS, CFE, CIA, or CRMA preferred • Employees are responsible for compliance with the Bank Secrecy Act; some roles also require OFAC compliance

🏖️ Benefits

• Competitive compensation and benefits package commensurate with experience • Collaborative work environment with strong organizational support • Opportunity to play a key role in a critical compliance function