BSA/AML Officer

Monet Bank is pioneering the future of banking and money movement — faster, more efficient, and built for the modern financial ecosystem. At our core, we believe Monet Bank is an essential bridge to the next generation of banking and payments infrastructure. As a profitable, well-capitalized Texas state-chartered bank and FDIC-Insured — backed by the full faith and credit of the U.S. Government — Monet combines the strength and stability of traditional banking with forward-thinking financial technology innovation. We recognize the fundamental inefficiencies in legacy payment networks and are building a strong team to thoughtfully challenge assumptions and pursue smarter, more scalable solutions. Our focus is on modern banking services that empower merchants to reclaim margins, enable fintechs to operate cross-border at scale, and support technology platforms in embedding seamless financial services. If you are motivated by building secure, intentional, and future-ready banking infrastructure, we invite you to explore opportunities with Monet Bank. The BSA/AML Officer is responsible for coordinating and monitoringday-to-dayBank Secrecy Act/Anti-Money Laundering compliance. Duties are inclusive of managing all aspects of the BSA/AML compliance program, including managing the bank's compliance with BSA regulatory requirements. The BSA compliance officer will implement policies, procedures, and systems to ensure comprehensive know your customer (KYC) standards, customer identification programs (CIP), customer due diligence (CDD) processes, and suspicious activity monitoring and reporting (SARs) aswell as being responsible for managing and gathering materials for BSA/AML audits and examinations. Essential Duties and Responsibilities (including but not limited to): Aiding in the development of the Bank’s BSA program Daily review of BSA reports and large cash transaction reports, kiting suspects, etc.,for the purpose of detecting suspicious activity. Daily review and submission of CTRs and perform annual review of CTR exempt customers. Create, review, and submit SARs and document SARs considered but not filed. Daily track, review, and archive CIPs and Beneficial Ownership documentation. Daily designate risk-rating on new accounts and perform quarterly reviews of high-risk account statements. Assist with annual policy review for Board Approval. Participate in BSA training on an ongoing basis. Annually develop and implement BSA/AML staff training/new hire training. Advise Senior Management and bank personnel of emerging BSA/AML/KYC/CIP trends and BSA Compliance issues. Supervise 314(a) list reviews and responses. Maintain and audit the review tracking log. Gather information for audits and exams and assist throughout the process. Respond to findings. Organize and maintain computer documentation of the above and retain according to retention schedules. Make recommendations to supervisor about methods to improve BSA processes. Will have contact with customers, auditors, examiners, and senior officers/directors of the bank, and is to conduct relationships in a manner that will enhance the overall compliance and positive image of the bank. Identify potential areas of compliance vulnerability and risk and devise appropriate controls and other mitigation. Provide reports regarding their activities to the Banks' senior management and Boards of Directors. Undertake continuous learning and self-study to stay abreast of changing regulations and emerging issues. Work with other internal units, as appropriate, to design and deliver compliance education for new and existing employees. Work collaboratively with the Legal Department and outside counsel, as necessary. Respond to customer complaints forwarded by regulatory authorities and legislators. All other duties assigned by Management. Qualifications (Education, Computer Skills, Certifications, Etc.): A minimum of 5 to 7 years experience as a BSA officer for a bank, MSB or payment oriented Fintech Knowledge of banking processes, products and regulations. Organization and strong multi-tasking skills. Strong, distinct, and professional communication in verbal and written skills. Present a professional image in speech and conduct. Ability to maintain a high degree of confidentiality. Five to seven years of financial institution compliance experience. Possess excellent oral and written communication skills. Bachelor's degree required; Juris Doctor or graduate degrees preferred; industry certifications (CRCM, ACAMS) preferred, or relevant work experience to sit for certification exams Benefits options include: Medical, dental and vision coverage 401K with company match 10 paid holidays Accrue up to 17 vacation/sick days per year in your first year on a pro rata basis Applicant may be eligible for annual discretionary bonus No relocation assistance provided. If you are looking to be a part of a winning team and meet the above requirements, we look forward to hearing from you. Monet Bank and their affiliates are Equal Opportunity Employers. Monet Bank and their affiliates do not discriminate against any candidate or employee on the basis of race, national origin, color, genetics, sex, marital status, sexual orientation, gender identity, age, disability, pregnancy, religion or religious affiliation, veteran or service member status, or any other characteristic protected by federal, state or local laws. All applicants have rights under federal employment laws. To view your rights and government notices on the Family Medical Leave Act (FMLA), the Equal Employment Opportunity (EEO) and the Employee Polygraph Projection Act (EPPA), please see the following Department of Labor links: FMLA EEO EPPA Notice to California Residents: Monet Bank and their affiliates may collect personal information about you as part of the job application or employment process. Please see the California Privacy Rights Act Policies at CPRA Policy, CPRA Policy | CLMG Corp, CPRA | CSG Investments CPRA Policy | for details. #J-18808-Ljbffr Monet Bank