AML/CFT Officer

The AML/CFT Officer is responsible for directly managing a team of advisors that provide the day to day support of Horizon Bank's Anti-Money Laundering (AML), Countering the Financing of Terrorism (CFT) and Office of Foreign Assets Control (OFAC) Compliance Program using industry standards and regulatory guidance to ensure the Bank's compliance efforts are maintained on a daily basis. The AML/CFT Officer is also responsible for overseeing the Bank's fraud program, directly supervising the Fraud Supervisor who handles the day-to-day management of the fraud program and supervision of the Fraud team. Serves as a liaison with regard to AML/CFT/OFAC matters and participates in internal audit engagements and regulatory exams and leads the team to attain fraud mitigation and compliance goals.

Accountable for the overall leadership, design, maintenance and management of the AML/CFT /OFAC Compliance Program. Responsible for adhering to the reporting and recordkeeping requirements of the Bank Secrecy Act and Anti-Money Laundering rules and regulations, observing economic sanctions by prohibiting transactions as specified by the Office of Foreign Asset Control (OFAC) following the bank's customer identification program (CIP) rules, observing all Bank policies and procedures relating to AML, OFAC, CIP, and related acts, and participating in ongoing related training. Represent the Bank to both internal and external customers, vendors and regulators in a courteous, professional manner in face-to-face, written and telephone communications. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through involvement in local organizations and events.

• Responsible for the continued development and documentation of a formal written program of procedures to ensure that each branch, department and all advisors are aware of and comply with the letter and spirit of all laws and regulations that affect their operations.
• Provide assistance, guidance and training to all advisors regarding interpretation and implementation of the Bank Secrecy Act and related federal regulations and this compliance program.
• Act as chairperson for the Bank's SAR Committee.
• Oversight of Fraud Mitigation - Ensures the effectiveness of the fraud program is maintained by Fraud Supervisor and staff to minimize exposure to threats and increase awareness through training to reduce losses.
• Oversight of the processing of legal paperwork according to established rule and timeframes related to the Right to Financial Privacy Act, including the oversight of legal paperwork for garnishments, levies, and subpoenas.
• Participate on project teams directly related to areas involving AML, Fraud, and wire transfer and actively contribute to the successful implementation of those projects.
• Other duties as assigned.

• Lead recruitment efforts and partner with Human Resources to make hiring decisions.
• Coordinate training for new hires and in conjunction with performance and developmental needs.
• Monitor behavior and results to effectively coach and motivate team members to achieve service and sales goals.
• Prepare and conduct scheduled performance evaluations. Address and document performance issues.
• Schedule employees, manage time off requests and approve weekly timecards if applicable.
• Responsible for building and developing a successful team. Involve staff in planning, decision-making and process improvement.
• Responsible for encouraging continuous enhancement of subordinates' knowledge and competencies to foster their successful career advancement.

• Bachelor's degree in finance, Business Administration or a related field and 5+ years of related AML/CFT or Compliance experience operating in a large financial services organization supporting compliance, operations, or risk with an operational risk and/or compliance focus or equivalent education and experience
• Advanced degree in a related field and/or Certified Anti-Money Laundering Specialists (CAMS) designation preferred
• 5+ experience working with regulatory bodies including the FDIC, CFPB and others
• 3+ years people management experience
• Deep subject matter expertise in BSA/AML laws and regulations
• Extensive knowledge of BSA/AML/OFAC compliance regulations and requirements
• Relationship builder who can establish trust, confidence and credibility with senior leaders, executives, and regulatory bodies
• Must exhibit attention to detail and sense of urgency to complete assigned tasks.
• Must possess the ability to identify risks and implement mitigating controls to reduce risk exposure in various situations and be able to conduct effective research and use of all tools available to track down specific items needed to complete fraud investigations.
• Excellent verbal and written communication skills.
• The ability to analyze and interpret information to arrive at a logical conclusion.
• Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers.
• Ability to follow detailed instructions and a wide range of procedures requiring sound judgement.
• Ability to perform complex mathematical computations using various business machines and/or computers.
• Must have proficient typing and computer skills in Microsoft Office Suite (Word, Excel and PowerPoint).

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)

Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer.

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