BSA/AML Specialist - Financial Investigations Unit

***Location flexible in any Tompkins Community Bank Market only.

Hybrid schedule may be an option within the markets once training is complete.***

The BSA/AML Specialist – FIU (Financial Investigations Unit) role works under the BSA/AML FIU Supervisor and in close conjunction with the BSA/AML/OFAC Officer to conduct thorough BSA/AML Investigations of customer transactions and prepare SARs in order to ensure the Bank is in compliance with all BSA/AML regulatory requirements. This position, while meeting FIU team goals, will assist the overall BSA/AML team in other various tasks such as CIP error reporting, 314a uploads/searches/clearing, missing TIN reporting, as well as OFAC responsibilities.

• Primary responsibility of this role is conducting thorough investigations into customer activity/transactions, preparing/advising to file or not file a SAR, and to do so within mandatory reporting guidelines.
• Alerted activity will be escalated to the FIU via various channels for investigation. The individual in this role will be responsible for reviewing the reason for escalation, conduct due diligence through various sources both internal and external, document the results, and provide a disposition.
• Interact closely with lines of business including discussing potentially suspicious activity, exiting customer relationships, requesting customer information.
• Interact with law enforcement and respond to law enforcement/subpoena requests.
• Assist in the development and enhancement of risk-based procedures and processes related to BSA/AML.
• Assist or lead projects related to the enhancement of the Bank’s transaction monitoring and financial crimes investigation programs.
• Ensuring case production and quality goals are met on a consistent and continuing basis as determined by the BSA/AML FIU Supervisor.
• Responsible for reviewing CIP reports for branch errors including, but not limited to Beneficial Ownership and customer documents related to account opening.
• Assist in reviewing potential 314a matches on a bi-weekly basis.
• Responsible for reviewing missing TIN reports.
• Comply with Tompkins confidentiality policies and procedures as well as regulatory expectations with regard to information and documentation to preserve and protect sensitive information.
• All other duties as assigned.

• An Associate’s degree. A Bachelor’s Degree is preferred.
• A minimum of 2-5 years’ related experience. Experience working with automated systems to detect and report suspicious activities.
• Professional certification relating to BSA/AML from a recognized professional organization preferred.
• Understanding of banking transactions and federal regulations as well as the implications of complying with all laws and regulations relating to money laundering including Bank Secrecy Act, USA PATRIOT Act, KYC, OFAC, SARs, and CTRs.
• Excellent written and verbal communication skills.
• Proven ability to analyze information and formulate conclusions.
• Proficient interpersonal relations, communication skill level to effectively interact with others across the Company.
• Proficient use of technology and software applications, including Microsoft Office as well as Verafin.
• In-depth knowledge of banking operations and/or regulations is preferred.

• Medical
• Dental
• Vision
• 401(k) Match
• Profit Sharing
• Paid Time Off
• 11 Holidays
• Tuition Reimbursement
• Free Parking throughout Tompkins Community Bank
• Employee Referrals

Tompkins is committed to a policy of Equal Employment Opportunity ("EEO") with respect to all team members and applicants for employment and a work environment free from discrimination (including unlawful harassment) based on race, color, religion, sex, sexual orientation, transgender status, gender non-conformity, gender identity, gender expression, national origin, age, marital status, domestic violence victim status, disability, predisposing genetic characteristics, military or veteran status or status in any group protected by federal, state, or local law.

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• Primary responsibility of this role is conducting thorough investigations into customer activity/transactions, preparing/advising to file or not file a SAR, and to do so within mandatory reporting guidelines.
• Alerted activity will be escalated to the FIU via various channels for investigation. The individual in this role will be responsible for reviewing the reason for escalation, conduct due diligence through various sources both internal and external, document the results, and provide a disposition.
• Interact closely with lines of business including discussing potentially suspicious activity, exiting customer relationships, requesting customer information.
• Interact with law enforcement and respond to law enforcement/subpoena requests.
• Assist in the development and enhancement of risk-based procedures and processes related to BSA/AML.
• Assist or lead projects related to the enhancement of the Bank’s transaction monitoring and financial crimes investigation programs.
• Ensuring case production and quality goals are met on a consistent and continuing basis as determined by the BSA/AML FIU Supervisor.
• Responsible for reviewing CIP reports for branch errors including, but not limited to Beneficial Ownership and customer documents related to account opening.
• Assist in reviewing potential 314a matches on a bi-weekly basis.
• Responsible for reviewing missing TIN reports.
• Comply with Tompkins confidentiality policies and procedures as well as regulatory expectations with regard to information and documentation to preserve and protect sensitive information.
• All other duties as assigned.

• An Associate’s degree. A Bachelor’s Degree is preferred.
• A minimum of 2-5 years’ related experience. Experience working with automated systems to detect and report suspicious activities.
• Professional certification relating to BSA/AML from a recognized professional organization preferred.
• Understanding of banking transactions and federal regulations as well as the implications of complying with all laws and regulations relating to money laundering including Bank Secrecy Act, USA PATRIOT Act, KYC, OFAC, SARs, and CTRs.
• Excellent written and verbal communication skills.
• Proven ability to analyze information and formulate conclusions.
• Proficient interpersonal relations, communication skill level to effectively interact with others across the Company.
• Proficient use of technology and software applications, including Microsoft Office as well as Verafin.
• In-depth knowledge of banking operations and/or regulations is preferred.