BSA/AML Officer

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HFD

WebsiteLinkedInAll Job Openings

51 - 200 employees

💸 Finance

⚕️ Healthcare Insurance

Finance • Healthcare Insurance

HFD is a company that offers affordable financing options for patients seeking healthcare services in various specialties, including dental, orthodontics, veterinary, audiology, vision, and cosmetics. The company is committed to providing pay-over-time solutions that are accessible to nearly every patient, regardless of their credit score, addressing a significant challenge faced by traditional lenders. HFD's platform aims to improve patient approval rates, reduce financial barriers to treatment, and support healthcare providers by minimizing the discomfort of financial discussions with patients. HFD partners with healthcare providers to onboard them onto their platform, facilitating seamless patient financing experiences.

📋 Description

• Develop, implement, and maintain HFD's written BSA/AML compliance program, policies, procedures, and internal controls. • Conduct periodic reviews and updates to align with current regulatory requirements. • Oversee the monitoring of customer transactions for unusual or suspicious activities. • Ensure the timely and accurate completion and reporting of all Questionable Activity Reports (QARs) including oversight of the QAR Committee, reporting to our sponsor bank, and reporting to HFD’s Compliance Committee. • Participate in the efforts to prevent and detect fraudulent activities that may have BSA/AML implications. • Conduct periodic, comprehensive risk assessments to identify potential money laundering and terrorist financing risks across all products, services, and customer types. • Manage the Customer Identification Program (CIP) and CDD processes, including verifying customer identities and assessing risk profiles at account opening and throughout the relationship. • Develop and deliver ongoing BSA/AML/OFAC training to all employees, relevant management, and the Board of Directors to ensure awareness and compliance with regulatory obligations. • Act as the primary liaison for internal auditors, independent state and federal auditors, and regulatory examiners on BSA/AML matters. • Coordinate responses to audits and examinations and ensure identified deficiencies are addressed. • Serve as the main point of contact for legal requests, such as subpoenas and garnishments, coordinating with internal and external stakeholders for timely and legally compliant responses.

🎯 Requirements

• Bachelor’s Degree, or a minimum of 5 years’ financial institution experience required in a lead BSA role • Sensitivity to confidential matters and ability to exercise discretion • CAMS certification • Knowledge of payments systems – ACH, wires, etc. • Ability to work independently • Strong research skills • Must be a team player and possess a high energy “can do” attitude • Ability to multitask and excel in a fast-paced environment • Skills required: excellent analytical abilities, strong communication (written and oral) and interpersonal skills, attention to detail, and the ability to work independently.

🏖️ Benefits

• Medical, Dental, Vision Insurance • 401k with 4% company match. • Unlimited Vacation • 6 days of paid sick time • 6 paid holidays • EPIC company culture