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Assist lenders with the efficient management of the loan origination process, beginning at the receipt of all required application documents through post-closing procedures. The position includes on-going 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 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 & 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.

• 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.

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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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The BSA Analyst position will report to the BSA/OFAC Officer. Employee is expected to adhere to and exhibit the “Core Values” of First Port City Bank at all times.

PRIMARY REPOSIBILITIES:

1. Support the BSA Officer’s administration of 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.
2. Prepare and submit Suspicious Activity Reports (SARs), Currency Transaction Reports (CTRs) and Designation of Exemption forms within the timeframes required by the Bank Secrecy Act.
3. Assists the BSA Officer in reviewing alerts of suspicious activity generated by the Bank’s Anti-Money Laundering Software and alerts submitted by members of the staff.
4. Assist the BSA Officer with all tasks related to monitoring and reporting activities of Marijuana Related Businesses (MRBs).
5. Participate in BSA training on at least an annual basis.
6. Daily duties in coordination with the BSA/OFAC Officer:
   1. Review the TIN Ins and Outs Report for CTR filing.
   2. Identify reportable and exempt transactions.
   3. For transactions in which a CTR is indicated, prepare and file those CTRs within 15 days following the date of the transaction. Ideally, CTRs should be submitted by the Friday following the date of the transaction.
   4. Promptly review alerts generated by the Bank’s AML system, investigate each alert, create cases as required and file SARs as directed by the BSA/OFAC Officer.
   5. Assist the BSA Officer with reviewing and reporting instances of fraud and identity theft.
   6. Assist the BSA Officer with monitoring for BSA compliance through reviewing various transactions and reports within and outside of the BSA/AML system.
   7. Review check holds for compliance with Reg CC and to identify suspicious items.
   8. Review CIF records to ensure they are comprehensive.

7. Weekly duties in coordination with the BSA/OFAC Officer:
   1. Review all new business accounts opened during the prior week for complete and accurate beneficial ownership documentation and comprehensive CDD and CIP.
   2. Review the cashier’s check log for accuracy, OFAC compliance and to identify suspicious activity.
   3. Download the 314(a) list from FinCEN when the list is updated (generally bi-weekly on Tuesday) and promptly upload the list to the Bank’s AML system, search the Bank’s database for matches and respond to any matches per FinCEN’s instructions.
8. Periodic duties:
   1. Review high risk customers and their account activity and research unusual or suspicious activity through resolution or referral to the BSA Officer.
   2. Review CTR exempt customers and their activity to determine ongoing eligibility for exemption.
   3. Perform EDD reviews on high-risk customers
   4. Assist the BSA Officer with administering the BSA/AML automated system.

9. Support the BSA/OFAC Officer and Compliance Officer in all other areas of regulatory compliance.

ROLE QUALIFICATIONS:

High School Diploma and a minimum of 2 years employment at a financial institution.  Other skills such as some knowledge of BSA/AML/OFAC/CFT regulations are also needed.

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The Cash Management (CM) Client Specialist will serve Business Online Banking Cash Management Clients and will support efforts of First Port City Bank Account and Business Development Officers to onboard new CM Clients. Some travel may be required. Employee is expected to adhere to and always exhibit the “Core Values” of First Port City Bank.

PRIMARY RESPONSIBILITIES:

· Liaison between First Port City Account and Bank Business Development Officers and Potential Cash Management Clients

· Gather Client Data and Documentation to Facilitate the Initial CM Approval Process

· Prepare and Distribute Cash Management Agreements and CM Product Schedules for Execution

· Perform Cash Management Client System Setup and Manage Existing Client Change Requests

· Perform Initial and Ongoing Client Training for the Various CM Products and Services

· Deliver Excellent Customer Service to Cash Management Clients by Providing Ongoing CM Product and Services Support and Engaging in Needs-based Conversations

· Manage Risks by Adhering to Compliance Routines, Processes, and Controls to Protect Client and Shareholder Interests while Assisting Clients to Complete Transactions and Navigate Cash Management Systems

· Contribute to Team Sales Results by Listening and Spotting Opportunities to Offer Additional Products and Services, Introducing Clients to FPCB Merchant Services Providers or FPCB Lenders

· Assist With Periodic RDC, ACH and Wire Limit Increase Requests

· Stay in compliance with Bank policies and procedures

· May be assigned other duties as needed

ROLE QUALIFICATIONS:

Education

· High School Diploma

Experience

· Minimum 2 years Banking experience

· Cash/Treasury Management experience preferred, but not required

Other Skills and Abilities

· Well-rounded Banking knowledge

· Proven customer service skills – drive and self-motivation as well as excellent written and verbal communication skills and emotional intelligence

· Digital literacy across a broad range of devices (i.e., smartphones, tablets, laptops, etc.)

· Computer proficiency: Microsoft Outlook, Word, and Excel

· Good Organizational Skills

· Ability to meet established deadlines and handle multiple tasks simultaneously

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