Senior AML Analyst

Why have a job when you can build a career?  We are proud to be defined by the excellent service and convenience offered to our members, as well as our diverse workforce and company culture. There are many reasons to work for MIDFLORIDA, which is probably why we were voted one of Florida Trend's "Best Places To Work."  MIDFLORIDA offers a positive team culture, an open door management style, a commitment to diversity, stability, competitive benefits, and a career path with a growing, successful company! Join us on our mission to improve the financial well-being of our members!   

The Senior AML Analyst plays a key role in the Credit Union’s Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and Office of Foreign Assets Control (OFAC) compliance program. This position is responsible for conducting advanced investigations, monitoring suspicious activity, reviewing high-risk accounts, and ensuring regulatory compliance. The Senior Analyst serves as a subject matter expert and provides guidance to junior analysts while supporting the BSA Officer in maintaining and enhancing the credit union’s AML program.

Senior AML Analyst perform the following functions:

• Review and analyze alerts, cases, and referrals generated from transaction monitoring systems, branch reports, and other channels to identify potentially suspicious activity.
• Conduct in-depth investigations utilizing internal systems, third-party databases, and open-source intelligence.
• Evaluate patterns of activity for potential money laundering, terrorist financing, fraud, structuring, and other illicit activity.
• Draft clear, concise, and comprehensive SAR narratives in accordance with FinCEN guidance.
• Ensure SARs are completed accurately, thoroughly documented, and filed within regulatory deadlines.
• Maintain expert-level knowledge of applicable laws, regulations, and guidance related to SARs and suspicious activity monitoring.
• Assist in the development and maintenance of policies, procedures, and training programs related to SAR processes.
• Serve as a resource for junior analysts/specialists by providing training, coaching, and guidance on SAR investigations and regulatory expectations.
• Lead complex or high-risk investigations, ensuring all steps are documented and compliant with internal and regulatory requirements.
• Participate in cross-departmental projects to improve detection and reporting processes.

Qualifications include:

• Bachelor’s degree in Criminal Justice, Finance, Accounting, or related field; equivalent experience may be considered.
• Minimum of 5+ years of experience in BSA/AML compliance with at least 3 years focused on SAR preparation and investigations.
• Strong interpersonal, verbal, and written communication skills
• Ability to handle multiple priorities while maintaining attention to detail and accuracy.
• Professional demeanor, excellent communication skills, and a collaborative team-oriented approach.
• Familiarity with BSA/AML regulations and commitment to compliance training.
• Proficiency in Microsoft Word and Excel

Preferred Certifications:

• Certified Anti-Money Laundering Specialist (CAMS)
• Other relevant AML or fraud-related certifications.

MIDFLORIDA Perks:

• Stability
• Opportunity for growth
• Paid time off and Paid Holidays
• Tuition assistance after 6 months of service
• 401K Plan with Employer Matching
• Health, Dental, and Vision Insurance - Generous and affordable plans for employee and family
• Employee Assistance Program- No waiting period to access benefit.
• Salary and Bonuses – Bonus programs and annual appraisals with salary increase opportunities.

*This position is available in Lakeland, Tampa, Clearwater, Ocala, Port St. Lucie, and Sebring Service Areas*

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.