Job description

Enhanced Due Diligence (EDD) Analyst I:
Position Responsibilities:

• Conduct and complete EDD reviews for Higher Risk Clients in a timely manner consistent with PGB’s BSA policy and procedures.
• Prepares and maintains physical and electronic EDD files on Higher Risk Clients.
• Collect & obtain documentation on Higher Risk Client including KYC/CIP/CDD, Treasury Management Agreements, Wealth Account Agreements and Loan Documentation from applicable departments including but not limited to: Retail Branches, Treasury Management Operations, Loan Operations, etc.
• Performs transaction analysis of customer activity in the Bank’s AML system for possible violations of law or suspicious activity.
• Download and scrub transactions from the Bank’s AML system.
• Print & Save images of transaction tickets from 4Sight.
• Analyze client transactions and transaction images for unusual or suspicious activity.
• Perform searches utilizing Internet sources and/or third-party vendors (i.e. Google, Lexis Nexis, and/or CLEAR to determine negative news and obtain due diligence information for prospects and new/existing customers.
• Effectively maintain Higher Risk Client Records, files, spreadsheets and related documentation
• Report and escalate all unusual, suspicious or fraudulent activity or negative news findings clearly and objectively to Manager.
• Reviews various reports as assigned (Payoff Report, etc.).
• Responsible for understanding the banks products, services, customers, entities and geographic locations in order to conduct investigations of client accounts for potential suspicious behavior.
• Assists in ensuring complete compliance with the Bank Secrecy Act, OFAC, and AML related regulations.
• Remains updated on all regulatory changes and court rulings as they relate to BSA, OFAC, AML, KYC and consumer compliance regulations.
• Assists in conducting BSA/AML related training as needed.
• Assists with federal examination and internal audit preparation work, as needed.
• Attends job related seminars and workshops, as needed.

Assists with any projects, as assigned.
Essential Skills and Experience:

• High School diploma or G.E.D required
• Minimum of two years of recent teller experience or other branch related experience helpful
• Must be skilled at problem identification and resolution
• Strong analytical skills
• Strong verbal and written communication skills
• Excellent organizational and time management skills
• Able to work independently and multitask as needed, with limited supervision
• Ability to deal effectively and tactfully with Bank personnel of other departments either in person or over the phone
• Ability to operate a PC and quickly learn a variety of software applications
• Strong working knowledge of Microsoft Excel and Microsoft Word

Nonessential Skills and Experience:

• Handles special projects and other related duties as assigned

Reporting to this position:

• None

Physical Demands and Work Environment:

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions:

• Physical Demands: While performing the duties of this job, the employee is required to walk; sit; stand; use hands; fingers; reach with hands and arms; stoop; talk or hear. The employee may occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distant vision, color vision, peripheral vision, depth perception and the ability to adjust focus.
• Work Environment: While performing the duties of this job, the employee is exposed to weather conditions prevalent at the time. The noise level in the work environment is usually minimal.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Job Type: Full-time

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