Summary: Conduct due diligence reviews and investigations in support of the bank’s compliance with Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations, including Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and beneficial ownership by performing the following duties.

Primary Duties and Responsibilities include the following.

• Evaluate risk presented by customers at initial onboarding and conduct holistic and complex case investigations and due diligence reviews periodically throughout the customer relationship.
• Perform EDD, and unwrapping of ultimate beneficial ownerships in support of the Bank’s BSA and AML program.
• Conduct due diligence research/investigations on potentially high risk new and existing customers. Ensure ongoing due diligence efforts are maintained while identifying substantive changes to customer information or status.
• Perform searches utilizing Internet sources and/or third-party vendors (i.e. Google, CLEAR, WorldCheck) to determine negative news and obtain due diligence information for prospects and new/existing customers.
• Apply logic, reasoning, and sound decision-making skills to recommend Suspicious Activity Report (SAR) filings.
• Maintain thorough documentation of all steps taken during the review process.  Thoroughly documents findings by preparing reports in a manner that is clear and comprehensible to BSA supervisors/managers, internal auditors and regulatory examiners.
• Assist in preparing tracking reports related to CIP/CDD/EDD/beneficial ownership and OFAC exceptions.
• Assist with regulatory examinations, independent compliance audits, and second line Compliance Testing engagements as it relates to CIP/CDD/EDD/beneficial ownership processes and procedures.
• Read, analyze and interpret financial reports, legal documents, governmental regulations and professional publications.
• Respond to inquiries from within the Financial Crimes/BSA/AML Risk Management Team, front-line and bank management regarding CIP and due diligence matters.
• Communicate effectively with peers, front-line and management when requesting information or documentation and addressing concerns or findings.
• Adhere to bank policy, procedure and regulatory requirements.
• Adheres to all designated time frames, manage workflow to the specified deadlines and complete responsibilities in a satisfactory manner.
• Maintain a strict level of confidentiality.
• Complete all job-related training in a timely manner and attend seminars or continuing education, as directed.
• Perform any other assignments as directed by Manager.

Supervisory Responsibilities                                                       

Does not directly supervise others. 

Competencies

To perform the job successfully, an individual should demonstrate the following competencies:

Analytical and Design – Ability to assess risk; Detail oriented, analytical, and critical thinking skills; Strong problem solving and analytical skills required to succeed in this job; Strong technical troubleshooting skills and ability to juggle simultaneous complex projects.

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

Interpersonal Skills/Customer Service – Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds to requests for service and assistance; Meets commitments.

Oral and Written Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings; Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Able to read and interpret written information.

Teamwork - Ability to work in a collaborative environment, as well as independently; Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.

Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity; Embraces trusted advisor role.

Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions; Demonstrates persistence and overcomes obstacles.

Planning/Organizing – Ability to multi-task and set priorities; Prioritizes and plans work activities; Uses time efficiently; Sets goals and objectives.

Professionalism - Ability to deal with all levels of personnel in a courteous and effective manner; Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

Quantity – Ability to work under pressure on multiple tasks concurrently and meet deadlines in a fast-past work environment with interruptions and changing priorities.

Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.

Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time; Follows instructions, responds to management direction; Takes responsibility for own actions; Commits to long hours of work when necessary to reach goals.

Qualifications

To perform this job successfully, thorough knowledge and understanding of BSA/AML/KYC/CDD and Financial Crimes Enforcement Network (FinCEN) related laws and regulations.  Incumbent must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience                                                     

High school diploma or general education degree (GED) required; Bachelor's degree from four-year college or university preferred; minimum five (5) years in banking or equivalent combination of education and experience.  Prior Financial Crimes/BSA/AML management experience, preferably in EDD, KYC/CDD, and beneficial ownership and retail banking experience required.  Prior experience with case management systems, databases, and similar automation.  Association of Certified Anti-Money Laundering Specialists (ACAMS), Certified Fraud Examiner (CFE), or similar compliance certification preferred.

Computer Skills                                                               

To perform this job successfully, an individual should have working knowledge of Microsoft Office Suite, including Outlook, Word, Excel, and Power Point.  Ability to learn bank-specific software such as MPS, IBS, ADP, Abrigo (BAM) or comparable software such as Verafin, etc.  Ability to use basic office machines.

Bank Culture/Customer Service Skills

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor.  Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

Physical Demands  

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear.  The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl.  The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment  

The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions.  It does not prescribe or restrict the tasks that may be assigned.  Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs.  This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion. 

Origin Bank is an equal opportunity employer and we do not discriminate in hiring or employment on the basis of race, color, sex, age, marital or veteran status, non-job related disability, religion, national origin, genetic information or any other basis protected by law.

Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas.  Any exception to this policy requires further regulatory review and approval by management.