LOCATION

Mountain America Center - In Office:

9800 S Monroe St
Sandy UT 84070

SCHEDULE

Full Time

To be effective an individual must be able to perform each job duty successfully.

Program Oversight and Strategic Leadership

• Serve as the official BSA Officer for the credit union with full accountability for the BSA/AML/CFT compliance program.

• Develop and implement a risk-based BSA/AML program aligned with federal and state regulations internal risk appetite and operational complexity.

• Oversee day-to-day program operations including customer due diligence (CDD) enhanced due diligence (EDD) transaction monitoring suspicious activity investigations and regulatory reporting.

• Ensure compliance with the Customer Identification Program (CIP) requirements and oversee Monetary Instrument Reporting (MIR) processes ensuring accurate record keeping and timely filing.

• Own and govern BSA/AML-related models ensuring appropriate validation tuning documentation and performance monitoring in partnership with Model Risk Management.

• Ensure effective governance through policies procedures systems and controls that align with regulatory expectations and internal enterprise risk frameworks.

• Develop propose and manage the BSA compliance budget effectively. Allocate resources to support BSA compliance initiatives and ensure operational efficiency.

Regulatory Compliance and Examination Management

• Maintain awareness of and ensure compliance with applicable laws regulations and guidance (e.g. FinCEN FFIEC BSA/AML Manual NCUA expectations).

• Act as the primary point of contact with federal and state examiners auditors and law enforcement for all BSA/AML-related matters.

• Lead regulatory exam preparation responses and remediation efforts in coordination with Legal Compliance Risk and Internal Audit.
  

Team Leadership and Execution

• Lead and develop a team of BSA professionals responsible for alerts management case investigations SAR filings OFAC screening and high-risk customer reviews.

• Promote a high-performance accountable culture focused on continuous improvement integrity and risk awareness.

• Ensure appropriate staffing training and tools to support compliance and operational efficiency.

• Model the MACU Way and Leadership Way behavioral standards exemplifying values and principals in all professional interactions and decisions.

Monitoring and Reporting

• Oversee transaction monitoring systems and ensure timely review of alerts escalation of issues and filing of Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs).

• Ensure BSA/AML-related metrics risk indicators and board/committee reporting are accurate timely and meaningful.

• Identify emerging risks and recommend program enhancements as needed.
  

Training and Awareness

• Develop and maintain a comprehensive BSA/AML training program for team members management and the Board.

• Champion and promote a strong culture of compliance and ethical behavior throughout the organization.

KNOWLEDGE SKILLS and ABILITIES

The requirements listed are representative of the knowledge skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Education and Experience

• Bachelors degree in finance business law or related field preferred

• Typically requires minimum of 8 years related experience including 5 or more years of direct experience in BSA/AML compliance

• Strong knowledge of BSA/AML/CFT laws and regulations and familiarity with FFIEC BSA/AML Manual FinCEN guidance and OFAC requirements

• Experience interfacing with regulators auditors and law enforcement

• Familiarity with technology platforms used in BSA/AML (i.e. Verafin)

• Experience with large or complex credit unions banks or financial institutions

Licenses Certifications Registrations

• Certified Anti-Money Laundering Specialist (CAMS) or similar credential

Knowledge and Skills

• Leverages knowledge of trends in BSA/AML/CFT compliance and excellence to influence strategy

• Credible challenge and risk perspective. Ability to confidently and respectfully challenge processes decisions and risk-taking activities based on sound regulatory knowledge and risk insight while maintaining collaborative relationships with business partners

• Strategic thinking with attention to regulatory detail

• Leadership and talent management skills

• Problem solving skills

• Verbal/written communication skills

Leadership and Organizational Development

• Creates a sense of urgency and accountability in delivering objectives and a culture which fosters innovation and creativity

• Develops multifunctional leadership

• Coaches individuals to reach full potential builds coaching capability in others

• Helps orchestrate talent development and movement across the business unit or function

• Leads Work effectively and regularly across functions

• Responsible for effectiveness of team(s) and performance results

Scope and Strategic Impact

• Responsible for a business process in a function of notable risk and complexity

• Directs multiple related teams or function with significant and critical organization-wide impact

• Operates with autonomy on operational matters accountable to BU Leadership

• Limited to no revenue generation responsibilities (except for sales)

• Has budget responsibility

• Actively develops strategic plan for the function or business processes with VP

• Sets objectives for self and/or a team/project members

• Delivers the results that have a tangible impact for function or business process

• Adapts strategy to changing conditions

• Identifies external threats and opportunities and adapts strategy to changing conditions

• Strategic planning horizon generally 1 - 3 years

• Actively participates in building BU plan

Analytical Thinking and Problem Solving

• Applies company level financial and economic perspectives to decision making and problem solving

• Uses substantial intuition and experience to complement data

• Gathers and analyzes information at an expert level

• Manages the resolution of complex or unusual business problems

• Applies analytical thinking problem identification and solving and decision making

• Implementation of solutions requires a medium-term view

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit talk and hear consistently

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Color vision (ability to identify and distinguish colors)

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds frequently and up to 25 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment