FIU Investigator II

About Us
Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

The FIU Investigator II is responsible for conducting regulatory-required reviews and processes to
ensure timely filing of required reporting in compliance with the Bank Secrecy Act "BSA". The FIU
Investigator II must have a high-level of expertise in BSA and Anti-Money Laundering "AML"
investigations, Enhanced Due Diligence "EDD" reviews, and other related financial crimes laws
and regulations, directives, guidance, and best practices as well as being focused on timeliness of
work volumes.

The FIU Investigators will conduct on-going reviews of alerts generated from the Bank's AML
Software, case investigations, Suspicious Activity Reporting "SAR", and conduct initial and
ongoing reviews of higher-risk customers. The FIU Investigator must be able to analyze critical
information concerning customer and account activity, including transactional data, and conduct
additional research. This is crucial in the Financial Intelligence Unit's "FIU's" mission to identify
and prevent activity that is potentially linked to money laundering, terrorist financing, organized
crime, and other financial crime activity.

Position Responsibilities

• Maintains strict adherence to all internal SLAs and external regulatory deadlines.
• Demonstrates the ability to work independently, remain organized, and prioritize work to complete multiple projects over the same time with accuracy and a high attention to detail.
• Self-starting and executes tasks as assigned. Demonstrates original thinking that helps improve processes or identify trends.
• Build relationships by establishing trust, confidence, and credibility with internal partners.
• Provides feedback in a constructive and professional manner.
• Collaborates with internal teams to establish connections across processes.\
• Demonstrates superior verbal and written communication skills when working with internal partners.
• Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus to present the best solution.
• Ability to understand, follow and execute the Bank's Policies and Procedures.
• Demonstrates the ability to complete alert reviews, case investigations, internal referrals "QARs",
• Demonstrates the ability to write and file SARs
• Review and independently assess Customer Due Diligence (CDD) and Enhanced Due
• Diligence (EDD) to ensure the Bank has complete and accurate Know Your Customer
• (KYC) profiles and Customer Identification Program (CIP) requirements during reviews of higher-risk customers and ensure all reviews have sufficient quality and information
• Monitor and stay current with BSA/AML and OFAC regulatory, industry developments, and best practices. Must have knowledge of AML, BSA and OFAC regulations, along with experience implementing and administering those requirements
• Escalate any customers that are identified to be outside the Bank's risk tolerance to the AVP,
• FIU Investigations Manager and SVP, BSA/AML/OFAC Officer
• Assists with any ad-hoc projects that relate to the FIU
• Utilize transaction monitoring and case management systems (as available), vendor
• solutions, and open-source tools to conduct investigations
• Compare observed activity with client KYC and expected activity profiles for anomalous transactions or behaviors
• Prepare observations from review and analysis through compiling of review notes, documentation, and resolution.
• Performs other duties and projects as assigned

Minimum Education & Experience

• 10 years' experience within Investigations with a financial institution or payment-focused
  company
• Five years of experience within a direct BSA-related role with focus on AML/BSA EDD
• Investigations or High-Risk Customer Investigations with a financial institution or payment
  focused company
• Two or more years of SAR/No SAR reviews

Technical Knowledge and Skills

• Understanding of the U.S. payments regulatory landscape
• Experience conducting AML/EDD investigations and filing Suspicious Activity Reports with FinCEN
• Strong analytical, organizational and communication skills
• Requires Excel skills including, but not limited to, data manipulation, sorting, use of functions, VLOOKUP, and pivot tables.
• Microsoft Office tools such as Word, Excel, PowerPoint, Access, OneNote, and Teams to execute daily work.
• Creativity to go beyond current tools to deliver the best solution to a given problem
• Inquisitiveness and a desire for continued self-improvement and development of new skills
• Verafin experience preferred

One of the following certifications (or management approved equivalent):

• Association of Certified Money Laundering Specialists:
  
  
  
  • Certified Anti Money Laundering Specialist (CAMS)
  • Certified KYC Associate (CKYCA)
  • Certified Transaction Monitoring Associate (CTMA)
  • Advanced CAMS Audit
  
  
  
  
• Association of Certified Financial Crimes Specialists:
  
  
  
  • Certified Financial Crime Specialist
  
  
  
  
• Association of Certified Fraud Examiners:
  
  
  
  • Certified Fraud Examiner (CFE)
  
  
  
  
• American Bankers Association:
  
  
  
  • Certified AML and Fraud Professional (CAFP)
  • Certified Risk Compliance Manager (CRCM)
  
  
  
  

Compliance

It is the responsibility of each bank staff member and of management to adhere to policies and
procedures designed to implement compliance with the laws and regulations to which the bank is
subject. Each bank staff and management member shall be accountable for understanding how
compliance with laws and regulations affects the performance of their day-to-day duties, for
completing compliance training as assigned and for carrying out those duties in a manner to
achieve compliance with those laws and regulations.

The above mentioned are intended to describe the general nature and level of work performed
rather than to be an inclusive list of all duties, responsibilities and skills required for the position.
Job duties may be changed at any time at management's discretion. The job description is not
intended to create contractual obligations of any kind.

Capital Bank, N.A. is an affirmative action and equal opportunity employer