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BSA/OFAC/Red Flags Officer Bainbridge Georgia
This full-time position will report to the Compliance Officer. Employee is expected to adhere to and always exhibit the “Core Values” of First Port City Bank.
PRIMARY RESPONSIBILITIES:
1. Administer the Bank’s program of compliance with the Bank secrecy Act, regulations issued by the Office of Foreign Assets Control (OFAC) and all other related anti-money laundering (AML) and Counter-Terrorist Financing (CFT) laws and regulations and Identity Theft Red Flag program requirements.
2. Coordinate and develop programs to implement the Bank’s BSA/AML/CFT/OFAC compliance program.
3. Responsible for training staff, Management, and the Board of Directors on BSA/AML/CFT/OFAC compliance issues on at least an annual basis
4. Prepare, review and revise policies and procedures to ensure compliance with the BSA and other related Acts.
5. Report the status of the BSA/AML/OFAC/CFT program to the Audit Committee of the Board of Directors at least monthly.
6. Responsible for accurate completion and timely submission of all regulatory reports related to the BSA/AML/CFT/OFAC program including SAR and CTR filings.
7. Responsible for maintaining the Bank’s high-risk customer list and monitoring high-risk customers accordingly.
8. Responsible for periodic Customer Due Diligence (CDD) reviews on high-risk customers and maintaining comprehensive files for each high-risk customer based on the level of BSA/AML risk posed by that customer.
9. Monitor all high-risk customers including Marijuana Businesses, Personal Services Providers, Cash Intensive Businesses and non-governmental organizations.
10. Complete an annual BSA risk assessment and recommend modifications to the Bank’s risk based BSA/AML/OFAC/CFT program to the Audit Committee of the Board of Directors.
11. Ensure the Bank’s risk based BSA/AML/OFAC/CFT program is managed in accordance with the direction of the Chairman of the Audit Committee.
12. Administer the Bank’s BSA/AML/OFAC/CFT software system.
13. Serve as the liaison between Auditors, Examiners and Management regarding the BSA Program.
14. Support the Compliance Officer in all other areas of regulatory compliance.
15. Serve as Compliance Officer in the absence of the Compliance Officer.
Education
· Bachelor’s degree in related field preferred.
· Completed at least 80 hours of BSA/AML/CFT/OFAC training.
Experience
· Minimum 5 years managing a BSA/AML/CFT/OFAC program in a financial institution or similar business preferred. Experience in management can be substituted with experience auditing BSA/AML/CFT/OFAC compliance programs.
· Knowledge of banking processes, products and regulations.
Lending Assistant – Nassau County Florida
Reporting to the Loan Operations Manager, the Lending Assistant’s primary function is to assist lenders with efficiently managing the loan origination process, beginning with receiving all required application documents through post-closing procedures. The position includes ongoing assistance with management, administrative, clerical, and portfolio-related tasks. In addition, the role requires one’s ability to demonstrate the highest
credentials of professionalism, critical to the team’s long-term performance, while also maintaining strong organizational and time management skills.
PRIMARY RESPONSIBILITIES:
- Acts as intermediary between Borrowers, Lenders, and Doc Prep to accurately facilitate all pre-closing loan requirements, including but not limited to: collection of documents; completion of Doc Sheets; coding (GEO, CRA, HMDA, NAICS); and searches (OFAC, UCC).
- Initiates the first review of loan documents, verifying loan approved as presented while also eliminating errors prior to closing. Fulfills both order and completion of Title Insurance Requests, Internal & External Appraisals, Hazard & Flood Insurance, Flood Certification, Corporate Filings, Credit Reports and NADA Values.
- Prepares, organizes and scans all loan files in accordance with workflows and documented checklists, proving verification and collection of all required documents, prior to delivery to document preparation & customer signature.
- Prepares loan documentation on non-complex transactions.
- Reviews Daily Booking report to verify information uploaded into Precision matches signed loan documents and the Loan Approval.
- Records all lien perfection documents by e-filing, mailing or through delivery to the courthouse.
- Initiates officer tracking reports through proactive portfolio management of both loan tickler & maturing loan reports. Collection includes, but is not limited to: financial, insurance, compliance & documentation exceptions.
- Prepares & inputs all data requirements for customer information file (CIF) into loan platform system, while monitoring all customer information for suspicious activity & reporting.
- Assists lender with tracking & clearing file exceptions noted in boarding report & quality control review.
Benefits & Perks
Full Health
Medical, dental, vision—you shouldn’t have to worry about your health costs.
401k
Generous retirement contributions to help you plan for your future.
Life Insurance
Provides financial protection to beneficiaries in the event of unfortunate event.
Disability Insurance
Life is unpredictable, and while we often plan for the best, it's essential to prepare for the unexpected.
Critical Illness
Financial support in the event of a serious illness diagnosis.
Jean Friday's
It makes things more fun after you’ve worked hard through the week.
Annual Bonuses
Compensation for achieving specific targets, meeting financial goals, or exceeding performance expectations.
Competitive Salary
Get paid what you’re worth! Evaluated Annually.
Paid Time Off (PTO)
Vacation pay, jury duty, sick leave, holiday pay, bereavement leave and disability leave.
Gym Membership
Get a reduced rate to an local gym facility.
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Quotes from Our Team Members
"Working at First Port City Bank offers more than just a job; it's an opportunity to be part of a dynamic team committed to serving our community with integrity and excellence. Here, you'll find a supportive environment that values collaboration, personal growth, and innovation. Join us in making a meaningful impact on the lives of our customers and the success of our community."
"An incredible journey from Teller to CFO, spanning over 30 years of dedication and growth within First Port City Bank. My story is a testament to the opportunities for advancement, professional development, and leadership within our organization. We value your expertise, commitment, and passion for our mission, and we're proud to have you as an integral part of our team. Your journey exemplifies the potential for success and fulfillment that awaits those who choose to embark on their career journey with us."
Recognized as One of Best Banks To Work For!
Our EEO and Affirmative Action Policy ensures that we:
Provide equal opportunity in all employment decisions (such as compensation, benefits, transfers, leaves, returns from leave, company-sponsored training, education, education reimbursement and social and recreational programs) for all qualified applicants and team members, without regard to race, color, gender, national origin, religion, age, sexual orientation, gender identity, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran or any other status protected by federal, state or local law.
Recruit, hire, train and promote people in all job titles, without regard to race, color, gender, national origin, religion, age, sexual orientation, gender identity, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran or any other status protected by federal, state or local law.
Promote effective use of all team members, protected veterans, minorities, women, and those with disabilities among them, through a positive, continuing affirmative action program at all levels throughout the company.
