Position
BSA Specialist
Job Code-7223
req5653
Vinings
Full Time

Job Description
Create your success story at Delta Community Credit Union – where opportunity meets purpose. Through our commitment to excellence, Delta Community has received numerous industry awards and earned the trust and loyalty of our employees, members and the metro Atlanta community. We value talent, encourage growth and keep community at the heart of everything we do. That’s why we’re one of Atlanta’s Best Places to Work! Whether you’re starting your professional journey or navigating the next step in your career, we invite you to join the Delta Community Credit Union team. 

The BSA Specialist supports the Credit Union’s compliance with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Office of Foreign Assets Control (OFAC) requirements. This role conducts complex investigations, prepares and files regulatory reports, and acts as a subject-matter resource within the department.As the senior non-management role in the BSA team, the Specialist exercises independent judgment in determining reportability, mentors BSA Advisors, and collaborates with the Assistant BSA Manager and Quality Control Specialist to ensure accuracy, consistency, and regulatory compliance across all investigations and filings.Practices safety-conscious behaviors in all operational processes and procedures.
Essential Functions:Investigations & Reporting• Conduct in-depth investigations of potential suspicious activity, including structuring, money laundering, fraud, and sanctions violations.• Determine reportability and prepare Suspicious Activity Reports (SARs) for FinCEN submission.• Review and validate Currency Transaction Reports (CTRs) for accuracy and completeness.• Conduct 90-day reviews of previously filed SARs to determine if supplemental reports are warranted.• Draft clear, detailed investigative narratives and maintain complete case documentation.• Lead investigations involving suspected Elder Financial Exploitation, including interviewing affected members, gathering documentation, and coordinating with law enforcement, Adult Protective Services, and internal departments as appropriate. Prepare detailed reports and support SAR filings related to exploitation activity.Monitoring & Risk Management• Review and disposition AML system alerts to identify unusual or high-risk activity.• Monitor high-risk accounts and commercial relationships; update risk profiles as needed.• Maintain and document CTR exemption accounts in compliance with FinCEN requirements.Sanctions & Regulatory Requests• Perform OFAC screenings and clear or escalate potential matches as appropriate.• Respond to FinCEN 314(a), 314(b), subpoenas, and other law-enforcement requests within required timelines.• Support awareness of emerging sanctions programs and system updates.Collaboration & Communication• Partner with the Assistant BSA Manager and BSA QC Specialist to ensure investigative quality and consistency.• Provide guidance and mentoring to BSA Advisors and assist with training efforts.• Serve as a departmental point of contact for inquiries from branches, the call center, internal departments, and other financial institutions related to BSA, AML, and OFAC matters. Provide advisory support, guidance, and education to staff to ensure appropriate handling of member activity and compliance concerns.• Engage directly with members as needed, including those impacted by suspicious or potentially fraudulent activity, ensuring compassionate, professional, and compliant communication.• Collaborate with Fraud and Loss Prevention teams on cases involving potential fraud or identity theft.• Communicate professionally with internal departments, auditors, examiners, and law enforcement.Quality & System Support• Assist the QC Specialist with AML system testing, data validation, and parameter reviews.• Participate in threshold testing and tuning to maintain effective and risk-based monitoring.• Recommend process improvements and control enhancements.Program Support & Compliance• Contribute to the maintenance of departmental policies, risk assessments, and records.• Support audits and examinations by providing documentation and analysis.• Maintain confidentiality of all member and investigative information.• Participate in professional development and stay current on evolving BSA/AML/OFAC and fraud trends.
Other• This description reflects management’s assignment of essential functions, it does not prescribe or restrict the tasks that may be assigned.• This job description is subject to change at any time.

Position may offer work from home opportunities, pending specific performance and departmental needs.

Job Qualifications
Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future.

Required Minimum Qualifications:• High school diploma or GED equivalent. • 3+ years’ experience working in a financial services institution. • 2+ years’ direct experience in a BSA/AML, financial crimes, or fraud investigation role.• Must have a professional certification such as CAMS, CAFP, CBSAP or equivalent with an accredited Fraud or Bank Secrecy Act program or able to acquire one within 12 – 18 months of onboarding• Demonstrated experience preparing and filing CTRs and SARs• Strong understanding of the BSA, USA PATRIOT Act, and OFAC regulations.• Proficient in fraud detection principles, including identity theft, account takeover, and transactional fraud.• Strong analytical, investigative, and written communication skills.• Proficiency with AML case-management systems and Microsoft Office applications.• Ability to work independently, manage multiple priorities, and meet regulatory deadlines.   Ability to effectively communicate with all levels of Management, Examiners and external/internal auditors. • Complies with all Credit Union policies and procedures including those related to Bank Secrecy Act regulations.  
Preferred Qualifications:• Bachelor's degree in business, finance or related field from accredited college or university.• 3+ years’ of direct experience in BSA/AML, financial crimes, or fraud investigation role, with demonstrated ability to prepare and file SARs independently.• Proficiency in data analysis or business intelligence tools.• Experience supporting AML system tuning, testing or validation.• Intermediate level of proficiency in Excel.