Summary

Under general supervision, but acting according to established policies, procedures, and strategic plan, performs a variety of BSA/AML duties. This position assists the BSA/AML Officer in ensuring that Sturgis Bank & Trust Company maintains compliance with the laws, rules, and regulations associated with, including but not limited to, the Bank Secrecy Act, the US Patriot Act, and OFAC requirements. It serves a vital risk-management function that protects the company from compliance, operational, legal, and reputational risks. 

Essential Duties and Responsibilities

BSA/AML/OFAC Duties:

• Process the Currency Transaction Reports (CTRs) including transmission to FinCEN

• Review and identify unusual or suspicious activity as presented in CTS Reports and file Suspicious Activity Investigative Reports (SAIR) if necessary. 

• Retain accurate records as required by corporate and regulatory policy. 

• Communicate with branch offices, as needed, in connection with investigation and customer-related issues. 

• Participate in all internal/external BSA/AML audits and examinations while ensuring no violations of law or repeat findings from previous audits or examinations occur. 

• Assist the BSA/AML Officer in the annual review of the BSA/AML compliance program including the annual risk assessment review, related forms, training material, etc. 

• Perform Enhanced Due Diligence (EDD) reviews of all high-risk customers. 

• Assist with the risk assessment process and risk rating methodology of customers. 

• Manage the list of accounts & entities identified as high-risk. 

• Ensure compliance with Customer Identification Policy procedures. 

• Perform monthly monitoring of the Wire (Funds Transfer) database for suspicious activity by searching for patterns reviewed by beneficiary name, originating name, and transaction date. 

• Perform monthly investigations of the OFAC Reporting Modules (ORM) suspect matches report. 

• Maintain the Exempt Persons files in coordination with branches annual review. 

• Demonstrate the ability to provide leadership, motivating and persuading other to address compliance risk without having actual authority over them. 

Qualifications

To perform this job successfully, an individual must be knowledgeable and/or able to learn company products, services, and related information to perform each essential duty satisfactorily. Individual must have basic knowledge of BSA/AML regulations. Individual must possess excellent analytical skills with the ability to interpret information, research problems, and suggest appropriate solutions. Reasonable accommodations made be made to enable individuals with disabilities to perform the essential functions. 

Education and/or Experience

Associates degree preferred; 2+ years banking experience; or equivalent combination of education and experience. 
 

We are currently hiring for a Personal Banker at our Bangor Banking Center.

Summary

The Personal Banker provides exceptional client service, promptly and efficiently processing client transactions and promoting positive public relations. Contributes to the attainment of bank office sales goals and related objectives by promoting the bank’s products and services and by generating leads and referrals. The Personal Banker plays a key role in providing retail banking products and services to existing clients and developing new business opportunities with current and potential clients. 

Client Service:

• Represent the bank to the client in a courteous, professional manner. Provides prompt, efficient, and accurate service processing client transactions. 

• Identify unmet needs of current and potential clients and offer appropriate products and services. 

• Promote and provides information to clients on new and enhanced products and services to improve client relations. 

Transactional Activity:

• Process clients’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, and wire transfers. Examine checks for endorsement and negotiability. 

• Assist clients with access to safe deposit boxes, address changes, and travel notifications. 

• Balance each day’s transactions and verify cash totals for their station. Review work to locate any errors and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor. 

• Adhere to and comply with all bank policies and procedures, in addition to Federal and State regulations. 

• Possess knowledge about bank security and emergency procedures

We are currently hiring for a Personal Banker at our Centreville Banking Center.

Summary

The Personal Banker provides exceptional client service, promptly and efficiently processing client transactions and promoting positive public relations. Contributes to the attainment of bank office sales goals and related objectives by promoting the bank’s products and services and by generating leads and referrals. The Personal Banker plays a key role in providing retail banking products and services to existing clients and developing new business opportunities with current and potential clients. 

Client Service:

• Represent the bank to the client in a courteous, professional manner. Provides prompt, efficient, and accurate service processing client transactions. 

• Identify unmet needs of current and potential clients and offer appropriate products and services. 

• Promote and provides information to clients on new and enhanced products and services to improve client relations. 

Transactional Activity:

• Process clients’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, and wire transfers. Examine checks for endorsement and negotiability. 

• Assist clients with access to safe deposit boxes, address changes, and travel notifications. 

• Balance each day’s transactions and verify cash totals for their station. Review work to locate any errors and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor. 

• Adhere to and comply with all bank policies and procedures, in addition to Federal and State regulations. 

• Possess knowledge about bank security and emergency procedures

We are currently hiring for a Personal Banker at our Climax Banking Center.

Summary

The Personal Banker provides exceptional client service, promptly and efficiently processing client transactions and promoting positive public relations. Contributes to the attainment of bank office sales goals and related objectives by promoting the bank’s products and services and by generating leads and referrals. The Personal Banker plays a key role in providing retail banking products and services to existing clients and developing new business opportunities with current and potential clients. 

Client Service:

• Represent the bank to the client in a courteous, professional manner. Provides prompt, efficient, and accurate service processing client transactions. 

• Identify unmet needs of current and potential clients and offer appropriate products and services. 

• Promote and provides information to clients on new and enhanced products and services to improve client relations. 

Transactional Activity:

• Process clients’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, and wire transfers. Examine checks for endorsement and negotiability. 

• Assist clients with access to safe deposit boxes, address changes, and travel notifications. 

• Balance each day’s transactions and verify cash totals for their station. Review work to locate any errors and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor. 

• Adhere to and comply with all bank policies and procedures, in addition to Federal and State regulations. 

• Possess knowledge about bank security and emergency procedures

We are currently hiring for a Personal Banker at our Colon Banking Center.

Summary

The Personal Banker provides exceptional client service, promptly and efficiently processing client transactions and promoting positive public relations. Contributes to the attainment of bank office sales goals and related objectives by promoting the bank’s products and services and by generating leads and referrals. The Personal Banker plays a key role in providing retail banking products and services to existing clients and developing new business opportunities with current and potential clients. 

Client Service:

• Represent the bank to the client in a courteous, professional manner. Provides prompt, efficient, and accurate service processing client transactions. 

• Identify unmet needs of current and potential clients and offer appropriate products and services. 

• Promote and provides information to clients on new and enhanced products and services to improve client relations. 

Transactional Activity:

• Process clients’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, and wire transfers. Examine checks for endorsement and negotiability. 

• Assist clients with access to safe deposit boxes, address changes, and travel notifications. 

• Balance each day’s transactions and verify cash totals for their station. Review work to locate any errors and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor. 

• Adhere to and comply with all bank policies and procedures, in addition to Federal and State regulations. 

• Possess knowledge about bank security and emergency procedures

We are currently hiring for a Personal Banker at our Marshall Loan Center.

Summary

The Personal Banker provides exceptional client service, promptly and efficiently processing client transactions and promoting positive public relations. Contributes to the attainment of bank office sales goals and related objectives by promoting the bank’s products and services and by generating leads and referrals. The Personal Banker plays a key role in providing retail banking products and services to existing clients and developing new business opportunities with current and potential clients. 

Client Service:

• Represent the bank to the client in a courteous, professional manner. Provides prompt, efficient, and accurate service processing client transactions. 

• Identify unmet needs of current and potential clients and offer appropriate products and services. 

• Promote and provides information to clients on new and enhanced products and services to improve client relations. 

Transactional Activity:

• Process clients’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, and wire transfers. Examine checks for endorsement and negotiability. 

• Assist clients with access to safe deposit boxes, address changes, and travel notifications. 

• Balance each day’s transactions and verify cash totals for their station. Review work to locate any errors and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor. 

• Adhere to and comply with all bank policies and procedures, in addition to Federal and State regulations. 

• Possess knowledge about bank security and emergency procedures

We are currently hiring for a Personal Banker at our White Pigeon Banking Center.

Summary

The Personal Banker provides exceptional client service, promptly and efficiently processing client transactions and promoting positive public relations. Contributes to the attainment of bank office sales goals and related objectives by promoting the bank’s products and services and by generating leads and referrals. The Personal Banker plays a key role in providing retail banking products and services to existing clients and developing new business opportunities with current and potential clients. 

Client Service:

• Represent the bank to the client in a courteous, professional manner. Provides prompt, efficient, and accurate service processing client transactions. 

• Identify unmet needs of current and potential clients and offer appropriate products and services. 

• Promote and provides information to clients on new and enhanced products and services to improve client relations. 

Transactional Activity:

• Process clients’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, and wire transfers. Examine checks for endorsement and negotiability. 

• Assist clients with access to safe deposit boxes, address changes, and travel notifications. 

• Balance each day’s transactions and verify cash totals for their station. Review work to locate any errors and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor. 

• Adhere to and comply with all bank policies and procedures, in addition to Federal and State regulations. 

• Possess knowledge about bank security and emergency procedures

We are currently hiring for a Personal Banker Supervisor at our Climax Banking Center.

Summary

The Personal Banker Supervisor will work under the supervision of the Branch Manager/Branch Administrator and will act according to established policies and procedures. This role is expected to provide excellent client service ensuring that client needs are met, and they must have a strong desire to direct clients to Products and Services that will help minimize client’s financial pressures. This role will be a support for the Branch Manager and Personal Banker team. 

Duties and Responsibilities:

• Through exceptional leadership, guides and supports Personal Bankers to achieve goals and provide superior client service. 

• Provide prompt, efficient, and accurate service when processing transactions; including, but not limited to, deposits, withdrawals, loan draws, loan payments and cashier’s check purchases. 

• Actively offers and performs client services, such as opening personal, business accounts and account maintenance for new and existing clients. 

• Build relationships through rapport and listening to the financial needs of the client. 

• Responsible for balancing each day’s transactions and verifying cash totals for his/her station. Reviews work to locate any differences and ensure that all differences are properly initialed and reported to the Branch Manager.