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OUR LEADERSHIP PHILOSOPHY At Lighthouse Credit Union, we believe all individuals, regardless of position level, are considered leaders. By providing a framework that balances clarity with adaptability, our Leadership Competencies aim to foster a culture of continuous growth and agile leadership. Lighthouse Credit Union is committed to embracing change, nurturing leadership talent, and ensuring our performance management practices are aligned with our vision of fostering a resilient and forward-thinking organization. As such, we all hold ourselves accountable to the following:
LEADERSHIP COMPETENCIES
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Demonstrates Interpersonal Awareness & Skills A cornerstone of our collaborative work environment, this competency emphasizes effective communication, relationship building and teamwork. It also supports creating a positive work environment that values individual contributions and fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication and contribute beneficially to team dynamics.
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Embraces Change & Learning This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change. You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and support team members in their growth. You will also demonstrate flexibility and adaptability in response to changing circumstances.
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Utilizes Critical & Creative Thinking Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this competency is vital for driving excellence and leadership. This competency challenges team members to take initiative beyond one's immediate responsibilities. As an individual leader, you will actively look for and share opportunities for improvement, show open-mindedness to new ideas and professionally challenge inefficient processes. You will also actively contribute to defining solutions and promoting innovation.
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Takes Personal Ownership This competency focuses on taking responsibility for performance goals, proactive collaboration and accountability. It highlights the significance of each team member taking ownership of their role and contributions while demonstrating leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving performance goals, take responsibility for personal action and decisions and seek opportunities for self-improvement and skill development.
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POSITION SUMMARY
Under the guidance of the Director of BSA and Fraud, the Senior Bank Secrecy Act (BSA) Specialist plays a vital role in ensuring the Credit Union remains compliant with all relevant regulations, including the Bank Secrecy Act, AML (Anti-Money Laundering), CFT (Countering the Financing of Terrorism), and OFAC (Office of Foreign Assets Control). This role involves overseeing the daily operations of the BSA Compliance Program, including monitoring, reporting, and investigative functions such as Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and the filing of Suspicious Activity Reports (SARs). The Senior BSA Specialist works closely with departments across the Credit Union to develop and implement effective compliance measures and plays a key role in training staff on BSA/AML policies and procedures. The position requires strong analytical and communication skills, a thorough understanding of regulatory requirements, and the ability to lead or support audits, reviews, and risk assessments. This position also holds defined decision-making authority related to BSA/AML policy and procedure updates, SAR filing determinations, and the validation and recalibration of automated monitoring systems, ensuring timely, risk-appropriate, and regulatory-compliant actions.
ESSENTIAL FUNCTIONS & RESPONSIBILITIES
* Monitors and researches member and transaction activity for suspicious behavior using automated systems and manual reviews.
* Manages and analyzes alerts and cases generated by the AML monitoring system; ensures timely investigation, escalation, and documentation in accordance with internal procedures and regulatory expectations.
* Exercises decision-making authority to determine when an alert or case meets the threshold for SAR filing; prepares and files SARs in a timely and accurate manner.
* Conducts initial and ongoing Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews.
* Investigates potential Office of Foreign Assets Control (OFAC) matches and escalate appropriately.
* Acts as the primary point of contact for managing FinCEN 314(a) information requests; ensures timely import, execution, and documentation of list scans in the AML software.
* Serves as the lead contact for initiating and responding to FinCEN 314(b) information sharing requests in accordance with applicable regulations and internal policies.
* Assists with internal and external audits and regulatory exams, including gathering and reviewing data.
* Develops and delivers BSA/AML training to staff across the organization to support and guide well-informed staff.
* Collaborates with internal departments to ensure proper implementation of BSA/AML policies and adherence to Know Your Customer (KYC) protocols.
* Contributes to the development, maintenance, and refinement of the BSA/AML polices and procedure, including making recommendations and executing updates within delegated authority.
* Identifies and alerts the Director of BSA and Fraud of trends, emerging risks, and regulatory changes that may impact the Credit Union's compliance efforts.
* Supports and participates in system validation, model tuning, threshold reviews, and recalibration activities, including making recommendations and implementing approved changes within assigned authority.
JOB SPECIFICATIONS
* Serves as a backup for BSA Specialist I and II roles and supports or assumes key BSA responsibilities for the Director, BSA and Fraud when necessary, ensuring continuity of operations and compliance with regulatory requirements.
* Assists in preparing and filing the Currency Transaction Reports (CTRs). Is responsible for complete, accurate and timely filing. Works with branch network and other departments to gather all relevant information.
* Works with Director, BSA and Fraud on annual completion of BSA Risk Assessment, including presentation to the Board of Directors.
* Assists in maintaining and updating BSA/AML policies and procedures, including exercising delegated decision-making authority for procedural revisions that enhance operational effectiveness or regulatory compliance.
* Participates in and supports system validation, recalibration, and testing efforts to ensure monitoring thresholds and risk rating methodologies remain effective and compliant.
* Holds delegated authority to determine when activity meets the threshold for a SAR filing, document the rationale, and file the SAR, escalating only in cases involving high-risk, complex or sensitive activity.
* Maintains up-to-date knowledge of regulatory changes and industry best practices concerning BSA/AML/CFT and OFACrequirements.
EDUCATION, TRAINING & EXPERIENCE
* Minimum 2-year Associate's Degree, or the equivalent work experience. Bachelor's Degree preferred.
* Holds BSACS, CBSAP and or CAMs certification or working towards completion.
* 3 to 6 years of experience in BSA/AML compliance role at a financial institution. Years of experience and specific work experience required.
* Experience with AML monitoring systems and processes (Verafin experience a plus).
* Working knowledge of credit union products and services, core banking systems, and ability to conduct independent research into transaction patterns and account activity.
* Strong attention to detail as well as analytical and problem-solving skills.
WORK ARRANGEMENT:
The working arrangement for this position is remote or hybrid. Hybrid work is an opportunity to find the right balance between working in the office and remotely, especially if it supports individual success and the needs of our organization. Hybrid schedules are determined by the hiring manager based on business unit needs and may vary by department. Although a remote work arrangement may be authorized, those working in a remote position should expect occasional travel to headquarters or other business locations as necessary for work purposes.
Back Office Benefits That Work for You
We know life doesn't pause when you're at work - and your benefits shouldn't either. At Lighthouse Credit Union, we offer real support for real life, with perks that help you stay healthy, grow your future, and take care of what matters most. Financial Relief & Support * Student Loan & Tuition Assistance - Whether you're paying off debt or going back to school, we help lighten the load. * Employee Loan Discounts - Get access to lower rates on personal loans, just for being part of the team. * Weekly Paychecks - Because waiting two weeks shouldn't be the norm. * 401(k) with Employer Match & Profit Sharing - We invest in your future with generous contributions and immediate vesting.
Time Off That Respects Your Life
* Lighthouse Leave Program - Paid time off for major life moments, from welcoming a child to caring for a loved one. * Volunteer Time Off (VTO) - Give back to your community with paid time to serve. * PTO + Paid Federal Holidays - Rest, recharge, and celebrate without worry. * Balanced Schedule - All branches close by 5pm and on Sundays - no late nights or unpredictable shifts.
Health & Wellness
* Comprehensive Medical, Dental & Vision Plans - Coverage that starts quickly and fits your needs. * HSA/FSA Options - Save pre-tax dollars for everyday health expenses. * Discounted Pet Insurance - Because furry family members deserve care too. * Employee Assistance Program (EAP) - Free, confidential support for life's challenges - available 24/7.
Culture & Connection
* Annual Bonus Program - Celebrate your wins, your teammates' successes, and the Credit Union's growth - together. * Engagement Groups - Join communities like Pride at Work, Women in Leadership, Book Club, and more. * Ongoing Training & Career Growth - We invest in your development from day one. * Annual Summit & Team Outings - Celebrate wins and connect with coworkers across the organization. LIGHTHOUSE CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER
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Lighthouse Credit Union
paid time off, tuition assistance, 401(k), profit sharing, remote work
Mar 25, 2026