BSA Analyst

Description

Pathfinder Bank is seeking a BSA Analyst to support regulatory compliance and financial crime prevention within a community banking and financial services environment. This role supports Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance, transaction monitoring, regulatory reporting, and suspicious activity investigations, helping ensure adherence to applicable laws, regulations, and Bank policies.

Join a team that values your expertise and your community. At Pathfinder Bank, you are more than an employee. You are a valued member of a team that takes pride in helping local businesses and communities grow. When you join us, you become part of a people-first culture built on respect, development, and service.

We offer:

• Competitive compensation and benefits, including health coverage, 401(k) with company match, and paid time off
• Opportunities for career growth and internal mobility within a community bank
• A supportive team environment focused on employee development and engagement
• A community-focused culture with opportunities to give back locally

Position Summary

Supports the Bank's BSA/AML compliance program through transaction monitoring, regulatory reporting, data analysis, and recordkeeping. Reviews daily reports, monitors customer activity, and maintains documentation to support compliance with the Bank Secrecy Act, Anti-Money Laundering requirements, and applicable regulatory standards.

This role works closely with the BSA Senior Analyst and BSA Officer to identify potentially suspicious activity, research transactions, assist with regulatory filings, and ensure accurate reporting and documentation. Maintains current knowledge of BSA/AML requirements and Bank policies while supporting the effectiveness of the Bank's compliance program.

Essential Functions

• Assist the BSA Senior Analyst and BSA Officer in ensuring BSA/AML policies and procedures are followed and communicated throughout the Bank
• Review daily reports to identify transactions requiring Currency Transaction Reports (CTRs), Negotiable Instrument Logs, and other applicable BSA reporting
• Review daily reports and activity generated through the Bank's BSA monitoring software
• Maintain daily cash transaction totals for CTR-exempt businesses to support annual reviews and required filings with the Financial Crimes Enforcement Network (FinCEN)
• Review and track new business account information to ensure compliance with applicable Bank policies and regulatory requirements
• Update and maintain customer information and supporting documentation for regulatory reporting and quarterly reviews
• Assist with reviewing and investigating alerts generated through the Bank's BSA monitoring software
• Analyze customer transactions and activity to identify potentially suspicious patterns or activity requiring further review
• Research transactions, compile findings, and prepare supporting documentation for suspicious activity discussions and committee review
• Assist the BSA Senior Analyst and BSA Officer with information necessary for regulatory reporting and suspicious activity filings
• Maintain accurate records and documentation in accordance with BSA/AML requirements, Bank policies, and applicable retention standards
• Maintain current knowledge of BSA/AML laws, regulations, regulatory guidance, and Bank policies and procedures
• Collaborate with internal departments to obtain information and resolve questions related to BSA/AML compliance

Requirements

• Minimum of two years of banking experience or equivalent experience in a related field
• Knowledge of the Bank Secrecy Act and Anti-Money Laundering requirements
• Ability to maintain current knowledge of applicable BSA/AML laws, regulations, and Bank policies
• Proficiency in computer applications and ability to learn specialized BSA monitoring and reporting systems
• Strong analytical, critical thinking, and problem-solving skills
• Strong attention to detail and accuracy in reviewing transactions and maintaining documentation
• Effective written and verbal communication skills
• Strong organizational skills with the ability to manage multiple priorities and deadlines
• Ability to research transactions, analyze information, and document findings accurately
• Ability to maintain confidentiality and handle sensitive customer and financial information
• Ability to attend banking-related seminars, training programs, and professional development opportunities as required

Preferred Qualifications

• Associate degree or equivalent combination of banking experience and education
• Previous experience in BSA/AML compliance, transaction monitoring, or regulatory reporting
• Familiarity with BSA monitoring software and financial transaction analysis
• Knowledge of Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), and FinCEN reporting requirements