BSA AML Analyst

About the role

It's fun to work in a company where people truly BELIEVE in what they're doing!

We're committed to bringing passion and customer focus to the business.

About the role

LOCATION: Lebanon, TN

If you're looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.

About the Position

Power Behind the Promise

If Retail is the face of our brand, Operations is the heartbeat that keeps everything moving. In an Operations role, you're the unseen hero ensuring every process runs smoothly so customers experience consistency and trust every single day. You may not interact with customers directly, but your impact is undeniable-you're the reason the organization stays strong, secure, and ready for whatever challenges come our way. Think of yourself as part of the vital system that keeps the big picture alive, year after year. When you thrive, the entire organization thrives.

Positio N Summary

The BSA AML Analyst I assists in identifying risks and monitoring compliance with various aspects of the Bank Secrecy Act (BSA) and related Anti-Money Laundering (AML) requirements. This position investigates potential money laundering, financial crimes, and terrorist financing activity.

The BSA AML Analyst I performs various quality control reviews and monitoring using industry standards and regulatory guidance to facilitate a strong BSA Compliance Program. This position reports to the BSA Manager and provides excellent service and support to team members and customers while demonstrating the Company's values and supporting the mission.

Position Duties and Responsibilities

• Assist in identifying risks and monitoring compliance with various aspects of the Bank Secrecy Act (BSA) and related Anti-Money Laundering (AML) requirements
• Review, complete, and submit Currency Transaction Reports (CTRs)
• Review CTRs and core reports for potential suspicious activity
• Monitor alerts through the Bank's AML software for potential suspicious activity
• Investigate potential money laundering, financial crimes, and terrorist financing activity
• Initiate potential suspicious activity cases in AML software
• Assist with identifying suspicious activities and preparing Suspicious Activity Reports (SARs)
• Assist BSA Officer in conducting Enhanced Due Diligence (EDD) and Customer Due Diligence (CDD) reviews
• Perform 314(a) searches on customer identification file (CIF)
• Assist with preparation of annual BSA risk assessment and BSA policy revisions
• Assist bank regulators /external auditors during annual BSA examinations
• Assist with preparation and presentations for various BSA training sessions
• Review accounts held by foreign individuals to confirm proper documentation is on file
• Review all Red Flag exceptions for deposits and loans
• Assist BSA Officer and BSA Manager when needed
• Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; and participating in professional associations
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
• Attend training as requested
• Participate in outside community activities as required
• Perform other duties as assigned

Required Qualifications

• High school diploma or GED
• Bachelor's degree preferred
• 1 year of previous experience in BSA, banking, financial crimes investigation, or compliance preferred
• Basic understanding of BSA requirements
• Knowledge of or ability to learn Verafin
• Proficient with Microsoft Office and other standard software applications
• Ability to focus on high level of detail verification
• Strong ability to multi-task
• Excellent organization and communication skills as well as the ability to interact in a helpful and professional manner
• Ability to work on multiple projects simultaneously while accomplishing daily tasks
• Effective verbal and written communication skills
• Excellent interpersonal skills
• Critical thinking and problem-solving skills
• High standards for integrity, honesty, professionalism, and work ethic
• Commitment to service excellence
• Ability to work independently while demonstrating excellent organization and follow through
• Demonstrate flexible and efficient time management and ability to prioritize workload
• Ability and willingness to work with purpose and a strong sense of urgency
• Self-motivated, positive, and enthusiastic
• Self-starter with a strong desire to exceed expectations
• Maintain confidentiality discretion
• Ability to interact with customers and employees in a friendly and professional manner
• Ability to effectively work in collaboration with others to achieve business objectives
• Participation in community events working extended hours as needed
• Willing to grow and be challenged

Comprehensive Benefits & Recognition

We believe success should be acknowledged and celebrated. That's why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees' contributions are recognized companywide.

"Grow With Us" is more than a slogan-it's an invitation. Whether partnering with local schools to teach the next generation hands-on financial life lessons through School Bank, exploring diverse career paths through our Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you'll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.