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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.

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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:

1. 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).
2. 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.
3. 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.
4. Prepares loan documentation on non-complex transactions.
5. Reviews Daily Booking report to verify information uploaded into Precision matches signed loan documents and the Loan Approval.
6. Records all lien perfection documents by e-filing, mailing or through delivery to the courthouse.
7. 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.
8. Prepares & inputs all data requirements for customer information file (CIF) into loan platform system, while monitoring all customer information for suspicious activity & reporting.
9. Assists lender with tracking & clearing file exceptions noted in boarding report & quality control review.

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This full-time teller position is at the Fernandina Beach Branch in Fernandina Beach, Florida (Amelia Island). The teller’s primary role is to interact with customers by performing daily customer teller transactions, including receiving deposits, processing cashed checks and savings withdrawals, accepting loan payments, issuing cashier’s checks, preparing change orders, and processing other teller transactions. This position will be expected to follow Customer Identification Procedures (CIP) and Know Your Customer (KYC) procedures by obtaining valid documentation to ensure that transactions are being performed for the proper customer. The teller is also expected to follow all bank security procedures and maintain a thorough knowledge of all bank products and services offered by FPCB while building relationships with customers by providing high-quality service and cross-selling other bank products and services.

Education and experience required for this position include a High School Diploma and a minimum of 1 year of clerical or customer service experience. Cash handling experience is also preferred. Other skills and abilities required of this position include strong verbal and written communication skills, basic math skills, great attention to detail with the ability to multi-task and prioritize time management, and excellent organizational skills.

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