Origin Bank

Financial Crime

• Monitor, identify, report, and investigate suspicious activity related to potential money laundering, financial crimes, and terrorist financing
• Assess customers' financial crimes risk and ensure compliance with BSA, AML, CIP, CDD, EDD, and beneficial ownership requirements
• Perform scheduled Enhanced Due Diligence reviews of high-risk accounts, including MSBs, MRBs, NBFIs, PSPs, NRAs, POATMs, and cryptocurrency businesses
• Analyze transactional account trends, patterns, and identification documentation and document conclusions from high-risk customer reviews
• Recommend accepting high-risk accounts, mitigating them to medium/moderate risk, or referring them for closure
• Provide information to the Financial Crimes Risk Manager to update procedures for newly identified high-risk customers
• Review Verafin reports for unidentified NGOs, MRBs, and MSBs; add tags and comments as needed
• Evaluate transactional activity for POATMs and MSBs to identify unusual patterns or lack of cash activity
• Maintain current knowledge of MSB and MRB requirements for Louisiana, Mississippi, Texas, Alabama, and Florida, as well as federal guidelines
• Communicate with bank personnel to obtain documentation and information for high-risk account investigations and reviews
• Track required MSB documentation and work with retail and lending employees to resolve exceptions
• Process Verafin alerts involving privately owned ATM transactions and new account scenarios
• Add comments and assigned risk ratings to new Remote Deposit Capture accounts in Verafin
• Use internal bank systems and external research tools for AML investigations and documentation
• Develop knowledge of AML regulations and suspicious activity patterns
• Support special projects and critical BSA/AML casework
• Perform the role without supervisory responsibilities

Financial Crimes Risk Analyst