Bank Secrecy Act (BSA) Supervisor

West Coast Community Bank is a top-rated community bank with a focus on serving the banking needs of businesses and individuals along the Central Coast in Silicon Valley and throughout the Bay Area.

Delivery of relationship-based service with a solutions-driven focus sets us apart from the competition. We offer direct access to decision-makers combined with modern banking technologies and digital tools. The Bank is a leading SBA lender in Santa Cruz County and Silicon Valley and a top USDA lender in the state of California.

Since opening in 2004 we have proudly upheld our commitment to support regional well-being by actively participating in and donating to local nonprofit organizations. We engage in impactful volunteerism and support the greater economic vitality within our four-county reach contributing more than 2000 hours of volunteering annually.

Position Overview

The Bank Secrecy Act (BSA) Supervisor supports the administration of the Banks Bank Secrecy Act (BSA) Anti-Money Laundering (AML) Office of Foreign Assets Control (OFAC) Customer Identification Program (CIP) and Customer Due Diligence (CDD) programs. This position serves as a subject matter expert and working supervisor responsible for conducting and reviewing suspicious activity investigations preparing regulatory reports overseeing daily BSA operations and providing guidance to frontline and operations staff. The BSA Supervisor partners closely with the BSA Officer to maintain an effective risk-based compliance program that meets regulatory requirements and industry best practices. This role contributes to the Banks overall financial crime prevention efforts while supporting a strong culture of compliance and operational integrity.

This is an on-site position that may be based at any of our locations and requires a minimum of four (4) days per week in the office.

BSA/AML Operations & Investigations

• Investigate suspicious activity alerts and unusual account activity to identify potential money laundering fraud elder financial exploitation structuring or other financial crimes.
• Review transaction monitoring reports and perform detailed customer activity analysis.
• Prepare and review Suspicious Activity Reports (SARs) Currency Transaction Reports (CTRs) and other required regulatory filings.
• Ensure all filings are accurate complete and submitted within established regulatory timeframes.
• Document investigations and maintain supporting records in accordance with Bank policies regulatory requirements and record retention standards.
• Perform customer risk reviews Enhanced Due Diligence (EDD) and periodic reviews of high-risk customers.
• Support the administration of the Banks BSA AML OFAC CIP and CDD programs.

Leadership & Staff Support

• Provide day-to-day guidance training and support to BSA Analysts and other assigned staff.
• Review analyst work for quality accuracy completeness and adherence to departmental standards.
• Assist with workflow management to ensure timely completion of investigations reviews and regulatory filings.
• Support employee development through coaching knowledge sharing and ongoing training.
• Review and approve employee timecards and assist with departmental coverage and workload coordination as assigned.

Cross-Functional Coordination

• Serve as a resource to branch personnel operations teams and business units regarding suspicious activity reporting CIP CDD OFAC and related compliance requirements.
• Provide guidance regarding customer onboarding high-risk accounts and suspicious activity identification.
• Communicate emerging financial crime trends risks and regulatory developments to management and staff.
• Promote a strong culture of compliance throughout the organization through effective communication and collaboration.

Quality Control Risk & Compliance

• Monitor compliance with BSA USA PATRIOT Act FinCEN OFAC and other applicable laws regulations and guidance.
• Assist in updating policies procedures risk assessments and program documentation.
• Support management of transaction monitoring systems ensuring timely tracking follow-up and completion of required activities.
• Participate in transaction monitoring system validation tuning and control enhancement activities.
• Track and report key BSA metrics trends and monitoring results to management.
• Support internal control activities and ensure adherence to departmental standards and regulatory expectations.

Audit Examination & Process Improvement

• Assist with regulatory examinations internal audits and independent BSA reviews.
• Gather documentation prepare reports and coordinate responses to examiner and auditor requests.
• Monitor and assist with remediation of audit and examination findings.
• Support continuous improvement efforts related to BSA operations workflows controls and reporting processes.
• Identify opportunities to enhance efficiency effectiveness and consistency within the Banks financial crimes compliance programs.
• Conduct or support employee training related to BSA AML OFAC and financial crime prevention.
• Perform additional duties as assigned that are consistent with the business needs of the Bank and the scope responsibilities and level of the role.

• Minimum five (5) years of BSA/AML related experience within a financial institution.
• Associate or bachelors degree in Business Finance Criminal Justice Accounting or a related field preferred.
• Comprehensive knowledge of BSA AML USA PATRIOT Act OFAC FinCEN CIP CDD EDD and related regulatory requirements.
• Experience conducting suspicious activity investigations transaction analysis customer risk reviews and regulatory reporting.
• Experience preparing and reviewing Suspicious Activity Reports (SARs) Currency Transaction Reports (CTRs) and other regulatory filings.
• Working knowledge of financial crime detection methodologies transaction monitoring systems and case management processes.
• Experience supporting regulatory examinations internal audits and remediation efforts.
• Knowledge of automated transaction monitoring systems; experience with Verafin is preferred.
• Understanding of risk management internal controls documentation standards and regulatory compliance expectations.
• Demonstrated ability to interpret regulations and apply regulatory guidance within a community banking environment.
• Prior experience providing work direction training mentoring or supervisory support is preferred.

Requisite Skills

• Strong leadership coaching and employee development skills.
• Excellent organizational skills with the ability to manage multiple priorities and deadlines.
• Strong analytical investigative and problem-solving abilities.
• Effective verbal and written communication skills.
• Ability to interact professionally with all levels of Bank employees external auditors regulators and examiners.
• Strong attention to detail and commitment to accuracy.
• Ability to exercise sound judgment when evaluating potential financial crime activity.
• Proficiency in Microsoft Office Suite including Outlook Word Excel and related business applications.
• Ability to work independently while collaborating effectively in a team environment.
• Strong process improvement mindset with a focus on operational effectiveness and compliance.

Supervisory Responsibility:

• Provides day-to-day guidance training mentoring workflow oversight and quality review support to BSA Analysts and other assigned staff.
• May assist with timecard review and approval and support departmental workload coordination as assigned.

Benefits:

• Medical dental and vision plans.
• Vacation sick leave paid holidays.
• Paid volunteer time.
• Employer paid life insurance long term and short term disability.
• 401(k) with employer matching.
• Ongoing training professional development and career advancement opportunities.

Physical Demands

The physical demands described here are representative of those that must be met by a teammate to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• While performing the duties of this job the employee may be regularly required to stand sit talk hear reach stoop kneel and use hands and fingers to operate typical office equipment such as a computer telephone mouse and keyboard.
• Specific vision abilities required by this job include close vision requirements due to computer work.
• Light to moderate lifting may be required.
• Regular predictable attendance is required; including the occasional overtime work as business demands dictate.

Work Environment

The work environment characteristics described here are representative of those a teammate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e. business office with computers phone and printers moderate traffic).
• Ability to work in a confined area.
• Ability to sit or stand at a computer terminal for an extended period.

*To ensure a consistent hiring process we do not accept unsolicited resumes from third-party recruiters or agencies. Submissions without prior approval will not be considered.