It's not just a job, it's a way of life.
What separates Sonora Bank from the competition are the people inside--our team members. Our focus is to make sure that everyone who interacts with Sonora Bank has access to the best in customer service. And, we are looking for talented individuals who are passionate about helping others, hardworking and friendly to join us in our journey.
Our Commitment
At Sonora Bank, we believe in giving back to the communities where we live and work. When you join the Sonora Bank family, you will become part of a team that genuinely cares about making our communities a better place. Each year, the Sonora Bank team volunteers thousands of hours in our local communities. In addition, we are proud to provide significant funding to local organizations and charities.
Our Values
Safety of each other, our customers and the assets we are entrusted with
Integrity in how we work with each other, our customers and the communities where we operate
Diversity & Inclusion creating a culture that welcomes and respects all employees and customers and where everyone feels included
Open Work Environment that welcomes and encourages ideas and differing opinions without fear of retaliation
Customer Service that goes above and beyond to welcome customers to our Bank and treat them with respect and dignity at all times
Environment is considered, and included, in the way we conduct our business and the way we work to minimize our footprint
Explore Sonora Bank Job Opportunities
If you are looking for a place where you can make an impact, check out one of the great opportunities listed below!
BSA/AML Officer - Boerne, bulverde
Location: Boerne/Bulverde, TX
Summary
The BSA Officer is responsible for the implementation, monitoring and overall administration of all aspects of the Bank Secrecy Act compliance program including risk management and compliance with federal and state banking laws and regulations related to the Bank Secrecy Act. Responsible for developing, implementing, and maintain systems and processes to ensure ongoing compliance with the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering Program, OFAC, and Customer Identification Program. The BSA Officer is required to be fully knowledgeable and skilled in all areas of the BSA department.
Essential Duties and Responsibilities
- Maintain current knowledge of all federal and state laws and regulations, along with the Bank’s policies and procedures and ensure the bank is in compliance with applicable laws and regulations.
- Responsible for updates and revisions to BSA/AML/OFAC policies and procedures.
- Performs daily review, monitoring, and analysis of various reports, logs, and transaction data to identify trends, unusual activity, and monitor large currency activity; determines if transactions are suspicious in nature, such as kiting, significant changes in balances, cash structuring in deposits, loans payments, and certificate of deposit purchases, wire or ACH transfers, monetary instrument sales, new account openings, etc.
- Monitor of account activity for suspicious patterns and activity, conducts suspicious activity report investigations, high risk customer/account reviews, and recommends when to file Suspicious Activity Reports (SARs).
- Filing of the SARs when necessary while maintaining a high-level of confidentiality of the SAR reporting process.
- Development, coordinate, and facilitate training programs to educate bank personnel about BSA related compliance requirements and procedures.
- Directs the BSA/AML compliance program to ensure sufficient internal controls to promote an effective control environment and prioritize focus towards areas identified as having the highest level of BSA/AML risk to the bank.
- Responsible for ensuring all required regulatory reporting is conducted in a timely, accurate, and compliant manner, including filing of Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs) to FinCEN, as well as FinCEN 314(a) procedures and reporting.
- Performs customer and transaction analytics to identify trends and possible suspicious activity.
- Responsible for preparation of the BSA Risk Assessment and the periodic updates.
- Monitor of the automated BSA/AML/Fraud system, research and resolved alerts and conducts investigations within the system.
- Participates and prepares for regulatory BSA Examinations and Internal/external Audits.
- Participates in compliance training and continuing education to maintain proficiency with BSA/AML laws and regulations.
- Trending analysis: Conduct manual analysis on high-risk products such as cash, international ACH, wires, early loan payoffs and accelerated loan payments, cash secured loans, etc.
- Interacts with vendor to resolve system issues.
- Assists with special projects, assignments, and tasks as assigned
Qualifications
- Must be experienced in the areas of: SAR, CTR, 3.14(a) & 3.14(b) filings.
- Must be experienced using dynamic BSA/AML monitoring systems, preferably, Yellow Hammer Fraud Detective and BSA pieces.
- Knowledge of BSA/AML/OFAC/fraud regulations.
- Strong knowledge of bank administration, lending, operations, and products/services.
- Self-motivated.
- Must possess strong analytical and problem-solving skills with ability to gather, organize, and interpret data.
- Ability to formulate independent preliminary conclusions.
- Strong attention to detail with an investigative approach.
- Ability to exercise good judgement when assessing risk.
- Ability to maintain confidentiality and adhere to bank policy and procedures.
- Demonstrates strong communication skills to include written, verbal, and interpersonal skills when communicating with others.
- Ability to use sound judgment and handles difficult situations with tact, diplomacy, and discretion.
- Ability to manage time and adhere to strict deadlines.
- Demonstrates leadership skills and competencies.
Education and Experience
- Bachelor’s degree, preferably in finance, accounting, or related discipline preferred
- Professional certification (ACAMS, ACFE, CRCM) preferred
- 5+ years' experience of bank BSA/AML compliance experience
- Bank BSA examination experience
- Previous experience managing bank BSA/AML programs
Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.
Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.
Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.
Sonora Bank Equal Employment Opportunity Statement
Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
sonora bank history
Our Roots Run Deep
Sonora Bank is a Texas Tradition in Banking, opening its doors in 1900 in Sonora, Texas.
Learn more about our history and vision for the future in banking.