Compliance Investigative Analyst

Role overview

This position supports Sutton Bank’s prepaid card program and, as needed, broader core banking operations. The role is centered on monitoring activity, identifying suspicious patterns, and moving potential issues into case review for deeper investigation.

What you will do

• Review transaction monitoring alerts, escalation reports from program managers, and internal referrals to spot activity that may require further review.
• Investigate, document, and analyze unusual or suspicious transaction patterns and prepare Suspicious Activity Reports (SARs) and Continuation SARs (CSARs) when warranted.
• Handle an investigation queue covering prepaid card and core banking products, from initial review through final resolution, in line with the bank’s AML procedures and policies.
• Serve as a point of contact for law enforcement matters and address requests such as subpoenas and search warrants.
• Support 314(a) and 314(b) requests, plus other BSA/AML-related escalations, fraud matters, and compliance inquiries.
• Work with bank examiners, internal audit teams, and compliance staff during BSA/AML audits and examinations when needed.
• Review automated alerts and determine whether activity suggests possible illicit behavior that should be reported under BSA/AML requirements.

What we are looking for

The ideal candidate has a bachelor’s degree and at least three years of experience in BSA/AML, fraud, SAR preparation, or a closely related banking function. Equivalent combinations of education and experience may also be considered. Prior exposure to a commercial banking environment, along with a solid understanding of banking laws, financial services regulation, and compliance operations, is strongly preferred.

Professional certifications such as CAMS, CFE, or similar credentials are preferred.

Skills and abilities

• Clear written and verbal communication
• Strong interpersonal and collaboration skills
• Analytical investigation and case review
• Problem-solving and issue escalation
• Ability to manage several priorities at once
• Self-motivation and independent work style
• Knowledge of BSA/AML, the Patriot Act, and money laundering typologies
• Understanding of financial crime and compliance controls
• Ability to explain information to leadership, employees, and external stakeholders
• Experience drafting policies, procedures, and training materials
• Familiarity with government instructions and staff training
• Comfort working with regulatory, audit, and examiner inquiries

Equal opportunity notice

Sutton Bank is an equal opportunity employer. All qualified candidates are considered without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity, disability, pregnancy, or protected veteran status.