FIU Investigator II

About Us

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ : CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

The FIU Investigator II is responsible for conducting regulatory-required reviews and processes to ensure timely filing of required reporting in compliance with the Bank Secrecy Act (BSA). The FIU Investigator II must have a high level of expertise in BSA and Anti-Money Laundering (AML) investigations, Enhanced Due Diligence (EDD) reviews, and other related financial crimes laws and regulations, directives, guidance, and best practices as well as being focused on timeliness of work volumes.

The FIU Investigators will conduct on-going reviews of alerts generated from the Bank's AML Software, case investigations, Suspicious Activity Reporting (SAR), and conduct initial and ongoing reviews of higher-risk customers. The FIU Investigator must be able to analyze critical information concerning customer and account activity, including transactional data, and conduct additional research. This is crucial in the Financial Intelligence Unit's (FIU's) mission to identify and prevent activity that is potentially linked to money laundering, terrorist financing, organized crime, and other financial crime activity.

Position Responsibilities

• Maintains strict adherence to all internal SLAs and external regulatory deadlines.
• Demonstrates the ability to work independently, remain organized, and prioritize work to complete multiple projects over the same time with accuracy and a high attention to detail.
• Self-starting and executes tasks as assigned. Demonstrates original thinking that helps improve processes or identify trends.
• Build relationships by establishing trust, confidence, and credibility with internal partners.
• Provides feedback in a constructive and professional manner.
• Collaborates with internal teams to establish connections across processes.
• Demonstrates superior verbal and written communication skills when working with internal partners.
• Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus to present the best solution.
• Ability to understand, follow and execute the Bank\'s Policies and Procedures.
• Demonstrates the ability to complete alert reviews, case investigations, internal referrals (QARs), and SARs.
• Review and independently assess Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) to ensure the Bank has complete and accurate Know Your Customer (KYC) profiles and Customer Identification Program (CIP) requirements during reviews of higher-risk customers and ensure all reviews have sufficient quality and information.
• Monitor and stay current with BSA / AML and OFAC regulatory, industry developments, and best practices. Must have knowledge of AML, BSA and OFAC regulations, along with experience implementing and administering those requirements.
• Escalate any customers that are identified to be outside the Bank's risk tolerance to the AVP, FIU Investigations Manager and SVP, BSA / AML / OFAC Officer.
• Assists with any ad-hoc projects that relate to the FIU.
• Utilize transaction monitoring and case management systems (as available), vendor solutions, and open-source tools to conduct investigations.
• Compare observed activity with client KYC and expected activity profiles for anomalous transactions or behaviors.
• Prepare observations from review and analysis through compiling of review notes, documentation, and resolution.
• Performs other duties and projects as assigned.

Minimum Education & Experience

Technical Knowledge and Skills

One of the following certifications (or management approved equivalent)

Certified Anti Money Laundering Specialist (CAMS)

Certified Financial Crime Specialist

Certified Fraud Examiner (CFE)

Certified AML and Fraud Professional (CAFP)

Compliance

It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.

The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at any time at management\'s discretion. The job description is not intended to create contractual obligations of any kind.

Capital Bank, N.A. is an affirmative action and equal opportunity employer

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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