Bank analyst job description

Independently leads projects within one or more functional areas of Commercial Lending Operations and represents these areas in cross-functional, high visibility projects involving business partners outside of Commercial Lending Operations.
Primary Responsibilities:
Develop and produce mid-complexity departmental reports and spreadsheets, including project or product strategy analyses, historical reporting, work flow analyses and financial analyses for one or more functional areas of Commercial Lending Operations.Conduct complex analysis and judgment-based work over multiple disciplines to support Commercial Lending Operations decisions.Conduct complex data review, research, and/or reconciliation for assigned areas of Commercial Lending Operations.Lead the drafting and/or editing of procedures related to one or more functional areas of Commercial Lending Operations to maintain their currency.Lead support provided for departmental audits including user certifications and compliance testing for Commercial Lending Operations.Manage the planning, testing and implementing of new projects, systems, products and regulatory changes impacting assigned Commercial Lending Operations team(s).Lead departmental system support, coordinating with internal business partners, external vendors and Technology to address issues for assigned Commercial Lending Operations team(s).Provide functional system knowledge to colleagues within one or more functional areas of Commercial Lending Operations.Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.Promote an environment that supports diversity and reflects the M&T Bank brand.Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.Complete other related duties as assigned

Education and Experience Required:
Bachelor's degree and a minimum of 2 years' related experience,
OR in lieu of a degree, a
A combined minimum of 6 years' higher education and/or work experience, including a minimum of 2 years' related experience

Strong analytical skills
Strong organizational skills
Proficiency with personal computers as well as pertinent word processing and spreadsheet software
Strong verbal and written communication skills

Education and Experience Preferred:
Prior experience in functional areas supported

Location
Buffalo, New York, United States of America

The BSA Analyst performs a variety of duties to assist the BSA Officer as assigned by the General Counsel & Chief Risk Officer. The BSA Analyst performs various quality control reviews and monitoring pertaining to the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering Program, OFAC, and Customer Identification Program compliance using industry standard and regulatory guidance and implementing and revising policies and procedures to ensure the Banks compliance with all of these regulations. The BSA Analyst will also be responsible for analyzing and conducting high risk account reviews and private atm reviews for irregular transactions. This position also assists with other compliance and/or risk related activities within the Department as necessary. These activities may include but are not limited to: researching various banking issues, assisting with compliance reviews to monitor the Banks compliance with federal and state consumer protection regulations, and completing and/or updating risk assessments using the Banks Enterprise Risk Management software.
Essential Job Functions:

* Follow-up on any irregularities that come from newly opened accounts identified through ChexSystems/Fraud Finder. Work with branch managers and operations department to resolve. Utilizes internal/external resources to investigate and analyze potential fraud and money laundering. Conducts suspicious activities investigations.
* Assist with gathering, processing and coordinating the Bank's BSA, AML and OFAC data to help ensure compliance with all applicable laws and regulations.
* Delivers and coordinates BSA/AML training and continued education. Assists in creating Bank compliance training program.
* Monitor daily cash activity to ensure CTRs are properly reported on a timely basis; address shortfalls in documentation provided by branch and operations staff and provide training to correct those shortfalls as needed.
* Regularly monitors SAR activity. Collaborates on all SAR decisions to assist BSA Officers reporting to FinCEN and the Board of Directors.
* Assists during all periodic BSA/AML compliance reviews by gathering documents, and other pertinent information for review by compliance examiners. Organize analyze, and present data related to the Bank Secrecy Act, the USA PATRIOT Act, and the rules of OFAC, including CTR processing and SAR decisioning.
* Participates in the development, maintenance and updating of all BSA/OFAC/AML policies, procedures and compliance as they relate to the BSA program.
* Reviews all new accounts to ensure that all CIP information has been properly documented.
* Researches various banking issues as assigned.
* Assists in ensuring enhanced due diligence is completed for High-Risk accounts including reviews for privately owned ATMS.

Education & Experience:

* Bachelors Degree and prior experience as a BSA analyst.
* Previous banking experience to include knowledge of BSA requirements; at least 2 years preferred.
* Must have a valid Drivers license.

As an Equal Opportunity / Affirmative Action Employer, Rhinebeck Bank will not discriminate in its employment practices due to an applicants race, color, religion, sex, national origin, veteran or disability status, sexual orientation, gender identity, transgender status, or any other characteristics protected under applicable law.

Manage implementation and daily operations of the online/mobile banking platform to provide members with products and services that meet self-service needs and achieve the goals of the credit union.
Major Duties and Responsibilities


Create and deliver integrated marketing campaigns and strategies to increase usage of electronic banking services. Work with marketing to develop necessary creative for use in online and mobile banking to maintain brand and campaign consistency. Analyze results, assess campaign performance and recommend refinements to improve
performance for future eCommerce campaigns.


Monitor and analyze performance of online/mobile products and services to understand the online user's behavior, usage and trends. Identify opportunities to continuously improve online and mobile banking.


Coordinate and proactively communicate with the Contact Center and Branches to resolve member online and mobile service problems that hinder member satisfaction and continued use. Identify, recommend and implement solutions to fix trending service problems in online and mobile banking.


Manage vendor relationship with online/mobile banking provider. Recommend improvements based on product testing, member feedback, member behavior and analytical conclusions. Manage and implement any updates and new releases of online/mobile banking platform.


Knowledge and Skills



Experience


Six months to two years of similar or related experience, including time spent in preparatory positions.


Education/Certifications/Licenses


A two-year college degree or completion of a specialized course of study at a business or trade school.


Interpersonal Skills


A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.


ADA Requirements



Physical Requirements



Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.



Working Conditions



Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.



Mental and/or Emotional Requirements



Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.