Opportunity Overview

We have a Unique opportunity for an experienced and detail‑driven professional to join our Compliance team as a BSA Analyst & Fraud Specialist. This role plays a critical part in protecting the Bank and our customers by monitoring transactions, investigating suspicious activity, and helping prevent fraud, money laundering, and other financial crimes. You’ll work hands‑on with transaction monitoring systems, conduct in‑depth investigations, and partner with teams across the Bank to strengthen our BSA/AML and fraud prevention programs. We’re looking for someone who enjoys digging into data, exercising sound judgment, and staying ahead of emerging risks in a regulated environment. If you’re passionate about compliance, investigation, and supporting a community bank where integrity and trust matter every day, we’d love to hear from you.

Position Overview

The job of the BSA & Fraud Analyst is to perform various risk functions which support compliance with laws, rules and regulations associated with the Bank Secrecy Act, Anti-Money Laundering (AML) regulations, the USA Patriot Act, Customer Identification Program Beneficial Ownership and Office of Foreign Asset Control (OFAC) requirements. The BSA & Fraud Analyst will possess a strong working knowledge of transaction monitoring systems and filing SARS, be expected to perform thorough investigations on a timely basis related to potential money laundering, terrorist financing, drug trafficking, and fraud and perform enhanced due diligence on customer accounts, review and investigate alerts, high risk accounts and identify suspicious activity.

Primary Accountabilities

Monitoring, Preventing, and Educating

• Assist with the review and remediation of potential OFAC and PEP screening matches.
• Serve as a BSA/AML subject matter resource for co-workers in understanding.
• Conduct customer due diligence and enhanced due diligence at time of onboarding and ongoing.
• Remediate alerts from transaction monitoring system and escalate alerts as needed.
• Assist in the identifying and monitoring of high-risk customers and high-risk activities.
• Identify areas of improvement and present recommendations related to the BSA/AML program.
• Contribute to compliance training materials for staff, as needed.
• Participate in meetings, individually or in a group, to identify gaps within current practices.
• Make recommendations for policies and procedures to meet current regulatory expectations.
• Monitor new and any proposed laws and regulations in a timely manner.
• Conduct ad hoc projects that involve conducting research and data gathering to stay compliant.

Documentation

• Perform daily review, monitoring, and analysis of various reports, logs, and transaction data to identify trends, unusual activity, and monitor large currency activity; determines if transactions are suspicious in nature, such as kiting, significant changes in balances, cash structuring in deposits, loans payments, and certificate of deposit purchases, wire or ACH transfers, monetary instrument sales, new account openings, etc.
• Aid in the creation of various reports that will be presented to various committees and Board.
• Assist in preparation for internal audits, and federal and state exams.
• Assist in compliance with 314(a) and 314(b) (PATRIOT Act) responsibilities.

• Other duties as assigned

Knowledge, Skills, Education and Work Experience

• Bachelor’s degree or equivalent in Accounting, Finance or a related field of study is strongly preferred with 3 years BSA experience.
• Strong written/verbal communication, time management skills and working knowledge of Excel
• Possession of CAMS or similar Anti-Money Laundering certification a plus
• Knowledge of OFAC, CDD, EDD, and CIP laws and regulations and anti-money laundering practices
• Working knowledge of compliance regulations governing BSA, AML, Patriot Act (CIP), OFAC, FFIEC advisory guidelines regarding (KYC), (EDD) and Reg CC, Reg GG a plus
• Strong working knowledge of transaction monitoring systems and SARs Reporting
• Strong ability to analyze and synthesize large amounts of data
• Ability to conduct extensive research and apply data to improve BSA Program
• Project a businesslike professionalism to the client in both appearance and manner
• Strong organizational skills, great follow through and ability to manage multiple competing priorities
• Strong attention to detail skills and good fact-finding ability
• Ability to resolve issues, work independently, and meet deadlines.
• Persuasive and team oriented.
• Effective verbal, written, and interpersonal communication skills with the ability to instruct others, train personnel, write reports, correspondence, and procedures, and speak clearly to customers and employees.
• Good organizational and time management skills.

About UniBank

We are UniBank, a team of civic-minded financial professionals and all-around great people working together to enrich people, businesses and municipalities across New England. We don't abide by the doctrine of big, national banks. What we believe is different. What we believe is unique. We believe in our community. And we believe in the people who live here. We believe in committing time and financial support to local nonprofits. We believe in finding innovative solutions for affordable housing, community development and independent business. And yet, we are bankers. We are a mutual bank, owned by its customers, dedicated to local service. We are technology leaders. Since launching our first online payment platform in 2003, we've never stopped delivering the most effective technology to our customers. We are a unique blend of consumer, civic and business banking with more than 150 years of history. We are an exception to the rule. 

We are unique. Unique to people. Unique to business. Unique to local government.

We are UniBank. Bank Different. Bank Unique. 

As a member of the IT team, you may be responsible for certain aspects of our Incident Response Program, including, but not limited to, administrative, consultative or active engagement in activities around the Incident Response Program policy and processes.

This position is not subject to SAFE Act Registration Requirements.  Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements.

UniBank is committed to fair, competitive, and market-informed pay for our employees. The estimated salary range for this position is $60,000 to $65,000. Final offer will be determined based on a particular candidate's unique combination of factors such as skills, education, experience and certifications. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current employees as part of any final offer. UniBank supports the internal growth and development of our employees and so it is rare to have an initial employment offer at the top of a positions pay grade. As a candidate, you are encouraged to have an open conversation with the hiring team regarding any compensation and benefit related questions.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, status as a veteran or as an individual with a disability.

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