Corporate AML​/CFT CTR; Currency Transaction Reporting Specialist

About The Role

This individual will work with the Corporate BSA Department to mitigate risk by completing the daily audit process of Currency Transaction Reporting (CTR) files and identifying and correcting deficiencies. Identified deficiencies must be resolved promptly to ensure currency transaction reports can be filed with FinCEN accurately, completely and prior to the regulatory deadline. This role works at a fast pace, reviewing 80 to 100 reports per day, must be able to multitask, meet deadlines, and work under pressure while proactively integrating, strengthening, and monitoring all AML/BSA requirements.

The candidate partners and communicates with the Corporate BSA Supervisor(s), BSA Bank Division Staff, and occasionally front‑line Tellers and their Supervisors. A thorough understanding of applicable laws, regulations, financial services, and regulatory trends that impact the assigned line of business is required. The role has a basic understanding of the business line’s operations, products/services, systems, and associated risks/controls. Responsibilities also include CTR reporting, testing/monitoring, exception/resolution activities, and providing guidance and/or training to division‑level CTR staff.

Corporate

Position Location:

Available bank division location across our nine‑state footprint in AZ, CO, , MT, NV, TX, UT, WA, or WY.
Entry‑rate: $21.83+/hr (calculated for Kalispell, MT). All compensation offers are analyzed individually, considering location, years of experience, and educational background.
WA Applicants Only: Spokane, WA range $24.38 to $35.69 an hour;
Wenatchee, WA $24.72 to $37.09 an hour.

• Responsible for daily audit and filing of CTR reports submitted by all bank divisions to ensure FinCEN/BSA reporting requirements are met.
• Communicate with division BSA Coordinators and front‑line division staff as needed to clarify content on the CTR forms.
• Ensure accurate reporting and demonstrate job ownership for all items completed.
• Seek guidance from BSA CTR Supervisor as needed with escalated questions.
• Report suspicious activities in adherence with the company’s BSA Suspicious Activity Reporting Procedures when suspicious activity is detected.
• Provide guidance and/or training to division‑level CTR staff.
• Review and submit CTR exemption documentation for initial exemptions and perform annual reviews on existing exemptions, working with the Division BSA Coordinators.
• Maintain CTR exemption tracking documentation and spreadsheet.
• Verify monetary instruments in Vertex daily to ensure all entries are entered correctly with all regulatory required information and review for suspicious activity.
• Attend training and BSA Team Meetings.
• Responsible for process improvements, documentation, and acquisition/merger/conversion activities in support of BSA/AML laws and regulations.
• Participate in all internal and external BSA/AML enterprise‑wide audits and examinations, while ensuring no violations of law or repeat findings from previous audits or examinations occur.
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete assigned online training courses and achieve a passing score by the due date.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Required:

High School Diploma / GED

• 3‑5 years of banking experience, including but not limited to running teller transactions, customer service, new accounts, and operational duties (working with wires, fraud, new account or loan reviews).
• 1 year of direct BSA department experience.

Thorough understanding of Federal Currency Transaction regulations, specifically federal regulation  through .

Minimum of 2 years experience using CTR related applications, preferably Jack Henry systems such as Silver Lake Xperience or Browser, Vertex, 4|Sight, and Synergy.