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Grand.bank is a registered trademark of Grand Bank for Savings, FSB. Member FDIC. We are exploding with growth, and on the fast track to becoming a leader in providing affordable, innovative financial products to our customers throughout the U.S.

Our mission is to deliver cost-effective financial tools to give our customers better ways to borrow, spend, and save.

We thrive on creating solutions to help our customers live healthier financial lives and improve their relationship with money. From saving for retirement to buying your first home, whatever stage of life you are in, we are with you every step of the way.

Chartered in 1968, Grand.bank® has a rich history of thinking out of the box to offer unique products to meet the needs of our customers. We value our team members and all they bring to the table. If you’re passionate about delivering customer-focused solutions with a digital edge to help others build solid financial health, you want to work for us. You’ll discover a career full of excitement, challenge, purpose, and opportunity at Grand.bank®. We are proud to be an equal- opportunity workplace dedicated to pursuing and hiring a diverse, talented, and engaged team. We offer competitive salaries, advancement opportunities, and a comprehensive benefits package.

Now is an exciting time to be a part of Grand.bank® and join our team today!

Employee Benefits:

401(k) and Profit Sharing
Health Insurance
Dental Coverage Plan
Vision Coverage Plan
Disability Insurance
Life Insurance
Flexible Schedule
Paid Time Off (PTO)
Community Service PTO Match (Bank approved)
Tuition Reimbursement

Your Career Starts Here

Can’t find the job you want? Send your resume to HR@grand.bank and we’ll contact you when a new position opens.

BSA/AML Compliance Analyst

Community is at the heart of everything we do. We are proud to partner with local communities and nonprofits through our Giving Back Program, where we foster a culture of generosity and community engagement. We encourage our associates to dedicate their time to incredible charities and nonprofits that matter and we support them with a corporate PTO Match program. Together, we create “GRAND” moments and drive positive change in our communities.

Position Summary: The BSA/AML Compliance Analyst is responsible for assisting with the implementation and maintenance of the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Asset Control (OFAC), the US Patriot Act, and fraud detection and prevention programs. The role will support internal strategies, policies, and procedures to inhibit regulatory violations in these areas and ensure appropriate parameters are in place to identify suspicious and/or fraudulent activity within the Bank’s financial systems, including affiliate/third party vendors.

The successful candidate must demonstrate applied knowledge of BSA/AML, Fraud, OFAC, USA Patriot Act, KYC/CIP, FFIEC, and FinCEN guidance. The role will include periodic reporting to the Bank’s leadership team and assisting the Bank’s BSA/AML & Fraud Officer as needed. The role is critical in protecting the Bank from financial crimes and reputational risk and the successful candidate must balance diligence in fraud prevention with thoughtful customer service. The BSA/AML Compliance Analyst reports to the Bank’s BSA/AML & Fraud Officer.

Essential Duties and Responsibilities

The essential functions include, but are not limited to the following:

Monitor daily transaction reports (in both the Bank’s core and specialty software) and alerts for suspicious activity using the Bank’s BSA/AML & Fraud software. Assist with system administration for compliance monitoring software and support data analysis initiatives.
Conduct comprehensive reviews of customer transactions accounts, and activities to identify potential money laundering, fraud, structuring, elder abuse, identify theft, and other financial crimes.
Administer and enhance the BSA/AML, Fraud, OFAC, and USA Patriot Act monitoring systems to ensure appropriate parameters are in place for identification of suspicious and/or fraudulent activity within the Bank’s financial systems, including affiliate/third party vendors.
Establish and maintain appropriate Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) in compliance with regulatory deadlines. Ensure SAR/CTR investigations, reviews, and reporting processes to promote consistent decisions, adequate investigation and research, and completion of detailed documentation.
Administer and enhance the BSA/AML, Fraud, OFAC ,and USA Patriot Act monitoring systems to ensure appropriate parameters are in place to identify suspicious and/or fraudulent activity at the Bank and the Bank’s affiliate/third party vendors.
Review and analyze customer accounts, wire transfers, ACH activity, cash transactions, and other high-risk areas.
Monitor and review the deposit procedures of the Bank to: (i) develop recommendations for enhancement of compliance policies and procedures and for remediating compliance deficiencies; (ii) communicating deposit compliance violations and recommended action(s) as necessary; and (iii) help reduce customer and internal fraud.

Monitor and analyze activity through available reporting.
Examine data and initiate/maintain appropriate SAR investigations, reviews and reports processes that promote consistent decisions; adequate investigation and research; and complete detailed documentation. Work alerts from fraud monitoring software, including decisioning and documenting if further investigation is necessary.
Detect and respond to fraud alerts and assist in internal investigations involving financial crimes or account takeovers.
- - Support the BSA/AML & Fraud Officer in validating KYC/CIP and conducting customer due diligence and risk assessment analysis of personal and commercial customer relationships and conducting enhanced due diligence reviews for customers identified as higher risk.
  - Completing 314(a) system validation.
  - Communicate with all levels of staff, including the branch, back office, and Bank leadership.
  - Assist with internal and external audits and regulatory exams, oversee corrective actions of related compliance deficiencies, assist with fraud and operational loss investigations, and assist with annual risk assessments.
  - Comply with all departmental policies and procedures (including all laws, rules, and regulations applicable to the position) while staying informed on regulatory changes and industry best practices.
  - Perform other duties as assigned.

Minimum Qualifications (Knowledge, Skills, and Abilities):

- - Bachelor’s degree (B.A) or equivalent from a four-year College.
  - 5 years of experience within BSA/AML, Fraud, and OFAC compliance programs and 2 years related to credit card experience (preferred).
  - Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE), and BSA/AML Professional Certification (preferred).
  - Advanced knowledge of BSA/AML, Fraud, OFAC, USA Patriot Act, KYC/CIP, and FFIEC & FinCEN guidance.
  - Be a detail-oriented self-starter, with advanced analytical skills, who is flexible, innovative, and adaptive.
  - Strong written and verbal communication skills.
  - Strong people skills with the ability to work collaboratively and with people at all levels of the organization.
  - Ability to maintain confidentiality and handle sensitive information.
  - Excellent project management and organizational skills, with the ability to handle multiple projects at one time.
  - Be proficient in MS Office applications (Excel, Word, PowerPoint), Lexis Nexis applications (AML Risk Attributes, Bridger, Business Instant ID), Fiserv applications (Financial Crime Risk Management Platform, Onboard Advisor, Verafin) or other anti-money laundering, counter-terrorist financing, KYC, and anti-fraud platforms.