BSA Officer

Kish is seeking an experienced BSA Officer to lead and strengthen our Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Office of Foreign Assets Control (OFAC) compliance programs. This critical leadership role is responsible for developing, implementing, and administering the Bank's BSA/AML/CFT compliance framework while ensuring adherence to all applicable regulatory requirements.

The ideal candidate is a strategic compliance professional with deep expertise in BSA, AML, CFT, OFAC, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), suspicious activity monitoring, SAR reporting, and regulatory examinations. This position plays a key role in protecting the Bank, supporting business partners, and fostering a strong culture of compliance throughout the organization.

Key Responsibilities

BSA, AML, CFT & OFAC Program Management

• Manage and maintain an effective BSA/AML/CFT compliance program aligned with the Bank's risk profile and risk appetite.
• Develop, implement, and administer BSA, AML, CFT, OFAC, CIP, CDD, and EDD policies, procedures, and risk assessments.
• Ensure timely reporting, filing, and documentation of all required BSA and OFAC reports.
• Monitor regulatory developments and implement changes necessary to maintain compliance with BSA, AML, CFT, OFAC, USA PATRIOT Act, and related regulations.
• Evaluate and enhance transaction monitoring systems and reporting processes to improve detection of suspicious activity.
• Collaborate with Operational, Retail, Lending and Technology staff to improve processing efficiencies and ensure effective, efficient, and accurate transmission of information between origination, servicing, and monitoring systems.

Suspicious Activity Monitoring & Investigations

• Lead investigations involving suspicious, unusual, or potentially illegal activities.
• Prepare, review, approve, and submit Suspicious Activity Reports (SARs) and other required regulatory filings.
• Chair SAR Committee meetings and ensure decisions and documentation are maintained in accordance with regulatory expectations.
• Present investigative findings, due diligence documentation, and recommendations to management and the SAR Committee.
• Coordinate with local, state, and federal law enforcement agencies and financial institutions as appropriate.

Risk Assessment & Regulatory Compliance

• Maintain the Bank's BSA/AML/CFT internal control structure to effectively identify, measure, monitor, and control risk.
• Coordinate and validate information for the annual BSA/AML/CFT and OFAC Risk Assessments.
• Ensure comprehensive Customer Due Diligence and Enhanced Due Diligence programs are maintained across the Bank.
• Assess the effectiveness of compliance monitoring tools, risk indicators, and due diligence processes.

Audit & Examination Management

• Lead coordination of internal audits, independent validations, and regulatory examinations related to BSA, AML, CFT, OFAC, and USA PATRIOT Act compliance.
• Manage the collection, review, validation, and submission of audit and examination materials.
• Respond to auditor and examiner requests while maintaining appropriate documentation and supporting records.

Leadership & Training

• Foster a culture of compliance through daily interactions and leadership.
• Develop and oversee the Bank's BSA training program to ensure all bank employees receive role-appropriate regulatory training.
• Support ongoing education initiatives to improve organization-wide awareness of suspicious activity reporting requirements.
• Supervise, coach, develop, and evaluate assigned team members.
• Conduct performance reviews, one-on-one meetings, and workforce planning activities.
• Manage team workflow, scheduling, and resource allocation.

Customer & Internal Partner Support

• Provide guidance and support to branches and departments regarding BSA-related matters.
• Deliver exceptional service to internal and external customers through timely issue resolution and collaboration.
• Support the Risk Officer with research, recommendations, reporting, and compliance-related initiatives.

Required Qualifications

• Bachelor's degree in Business, Finance, Accounting, Criminal Justice, or related field preferred.
• CAMS (Certified Anti-Money Laundering Specialist) certification preferred.
• Minimum of five (5) years of experience in banking operations, compliance, anti-money laundering, and Bank Secrecy Act compliance.
• Strong knowledge of:

• Bank Secrecy Act (BSA)
• Anti-Money Laundering (AML) regulations
• Currency Transaction Reporting (CTR)
• USA PATRIOT Act requirements
• OFAC regulations and sanctions compliance
• Customer Due Diligence (CDD)
• Enhanced Due Diligence (EDD)
• Suspicious Activity Reporting (SAR)

• Experience working with law enforcement agencies, auditors, and regulatory examiners.
• Ability to analyze complex situations, manage multiple priorities, and exercise sound judgment.
• Excellent written, verbal, organizational, and leadership skills.
• Strong attention to detail and commitment to regulatory compliance.

Preferred Skills

• Experience managing BSA/AML monitoring software and compliance systems.
• Experience leading regulatory examinations and independent audits.
• Strong analytical and investigative skills.
• Proven ability to build relationships across departments and influence a culture of compliance.
• Supervisory or team leadership experience.

Physical Requirements

• Primarily sedentary office work environment.
• Frequent sitting with occasional standing, walking, reaching, bending, and stooping.
• Ability to occasionally lift or move up to 20 pounds.
• Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions.

At Kish, we are committed to serving our communities while maintaining the highest standards of integrity, compliance, and customer service. As our BSA Officer, you'll play a vital leadership role in safeguarding the Bank from financial crime risks while helping ensure regulatory excellence across the organization.