FIU Sr Analyst - Complex Customer Risk; Remote

Summary/Objectives

The South State story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At South State, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

• Identify and mitigate risks associated with higher risk customers through scheduled reviews;
• Conduct investigations to address any irregularities and make recommendations as to whether or not additional action is warranted, including the filing of Unusual Activity Reports;
• Understand trends in underlying customer data and detect risks that warrant decisioning;
• Analyze new and existing business relationships to determine risk and provide recommendations for approval or denial;
• Analyze and document requests from Treasury Management, such as RDC and ACH origination;
• Assist in the creation and maintenance of case files documenting all information used in the review of certain higher risk industries;
• Provide recommendations on adding, retaining, or removing customers to/from the bank's high risk customer monitoring process through collaboration with management;
• Escalate activity that meets the established criteria for investigating suspected fraudulent or problem accounts;
• Maintain proficiency in all aspects of BSA/AML compliance;
• Adhere to all provisions of South State Bank policies and procedures, including the confidentiality policy, code of ethics and BSA/AML/OFAC policies and procedures;
• Other duties and responsibilities may be assigned, according to the needs of the bank

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Strong critical thinking, analytical and problem‑solving skills;
• Ability to identify fraudulent, unusual and/or suspicious activity and understand when it needs to be escalated;
• Ability to perform a detailed analysis of accounts and relationships;
• Ability to work and thrive in a fast paced, high intensity, high demand and deadline driven environment;
• Self‑motivated, dependable, adaptable, and detail‑oriented with strong research and organizational skills;
• Ability to handle and accomplish multiple tasks and resolve competing priorities effectively;
• Proficient with PC work, including Microsoft Outlook, Word, Excel, PowerPoint, and other varying software if/as needed; knowledge of and ability to use internal bank systems a plus;
• Excellent oral and written communication skills;
• Ability to draft reports, prepare documents, and compose letters, memorandums, and business correspondence;
• Ability to interface with all business lines and legal entities and people of varying level, title and knowledge;
• Ability to read, analyze and interpret Federal and State banking regulations related to the Bank Secrecy Act and anti‑money laundering

• Education
  :
  Bachelor's degree preferred
• Experience
  • Minimum of 5 years related BSA/AML experience in a financial institution
  • Experience conducting investigations and enhanced due diligence at an advanced level
  • Experience monitoring, reviewing, and analyzing account activity in order to identify unusual or suspicious activity
• Certifications/Specific Knowledge
  • Familiarity with complex customers such as third party payment processors, private equity/venture capital, institutional investors and Fin Tech;
  • In-depth knowledge of BSA/AML regulations related to monitoring of higher risk customer relationships;
  • Familiarity with various AML monitoring systems and commercial research databases;
  • Strong understanding of bank operations including but not limited to navigating banking systems, understanding teller transactions and interpreting customer transactions;
  • CAMS…