AML/CFT Manager

Recognizing and valuing diversity strengthens our ability to attract, retain and engage associates and reinforces our relationship within our communities. Our associates are the most valuable asset we have. The collective sum of the individual differences, life experiences, knowledge and talent that our associates invest in their work represents a significant part of not only our culture, but our reputation and company’s achievement as well.

A Centier Associate is someone who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results.

What are our values?  Our Corporate values are Caring, Loyalty, Integrity, Friendship, Fun....who wouldn't want to work for an AWARD-WINNING company that's built on these pillars?

What about the perks?  Access to our Marathon Health Clinics which provide FREE visits & prescriptions, Generous Paid Time Off benefit, Tuition Reimbursement, 401K match, Associate Stock Ownership Plan, Daycare Reimbursement, FREE Onsite Fitness Center/Fitness Reimbursements, Health and Wellness Programs, the ability to have a voice with our Diversity/Equity/Inclusion Council, Career Growth, Work/Life Balance, AND MORE.

Supervisory Responsibilities:  This position supervises the AML/CFT function. In addition, this role will recruit, train, and hire experts in AML/CFT, OFAC/Sanctions, and USA Patriot Act Compliance.

Summary:  The AML/CFT Manager leads the FIU’s day-to-day anti-money laundering operations, ensuring that alerts, referrals, investigations, and regulatory reporting are handled accurately, consistently, and within applicable deadlines. The Manager translates approved policies into effective workflows, well-supported decisions, and documented controls that help identify and escalate potential financial crime.

Essential Duties and Responsibilities: 

• Manage daily AML alert, referral, investigation, and reporting queues within Verafin and related workflows. Establish risk-based priorities, assignment standards, service expectations, and escalation procedures; monitor aging and deadlines, resolve bottlenecks, and escalate capacity or control concerns promptly.
• Supervise, coach, and evaluate the AML/CFT team. Set performance expectations that balance quality and productivity; oversee staffing, workload allocation, cross-training, succession coverage, and individual development.
• Oversee consistent review of transaction-monitoring alerts and internal referrals. Ensure staff evaluate relevant customer information, activity patterns, and supporting records; document clear closure rationales; and escalate matters requiring investigation or immediate protective action to the appropriate owner.
• Direct risk-based investigations of potentially suspicious activity, including complex customer relationships and transaction patterns. Establish appropriate investigative scope, ensure relevant history and related parties are considered, and require evidence-supported conclusions and timely case disposition.
• Review Suspicious Activity Report (SAR) recommendations, no-file decisions, narratives, and supporting documentation within delegated authority. Ensure conclusions are supported and narratives are clear, complete, and consistent with the evidence.
• Oversee Currency Transaction Report (CTR) preparation, review, authorized filing, acknowledgment reconciliation, and correction workflows. Ensure staff investigate missing or inconsistent transactions and customer information, evaluate aggregation under approved procedures, and maintain supporting records and assigned exemption-review processes.
• Maintain clear operating procedures, job aids, and escalation guidance for assigned functions. Partner with the designated BSA Officer and Compliance to implement approved policy or regulatory changes; train staff on typologies, investigative standards, reporting quality, and confidentiality expectations.
• Report to the FIU Director on queue volumes and aging, deadline exposure, case and reporting timeliness, quality defects, rework, and staffing capacity. Explain material trends and root causes, recommend corrective action, and avoid productivity targets that compromise investigative judgment or reporting quality.
• Provide operational requirements and feedback to the FIU Systems & Projects Manager and FIU Compliance and Risk Manager. Identify data gaps, scenario issues, workflow defects, and emerging typologies; support testing, tuning assessments, and release readiness without independently changing production thresholds or bypassing change controls.
• Maintain a requisite knowledge of USA Patriot Act, AML/CFT rules, OFAC/Sanctions requirements, US Treasury and FinCEN reporting requirements.
• Manage assigned daily sanctions and watchlist-screening queues, including potential-match research, disposition documentation, and urgent escalation. Coordinate potential true matches with the designated sanctions decision-maker and appropriate operational teams; ensure any restrictions, reporting, or other actions follow approved authority and procedures.
• Support audits, examinations, and management quality-control reviews with accurate records and explanations of operating controls. Own remediation for assigned findings, address root causes, track action plans and deadlines, and provide evidence for appropriate closure review.
• Other duties as assigned.

Knowledge, Skills, and Abilities:

• Focus, attention to detail, and problem-solving skills are required.
• A demonstrable history of good management, career development, and coaching skills.
• Ability to delegate appropriately and decision effectively.
• Proficient in Microsoft Word and Excel.
• Excellent interpersonal, oral, and written communication skills.
• Excellent decision-making ability.
• Strong organizational skills.
• Ability to handle confidential information in a professional manner.
• Ability to be adaptable and flexible while responding to deadlines on assignments and workflow fluctuations.
• Ability to manage and conduct logical investigations.
• Ability to work effectively in a multi-task, high-volume environment.
• Self-motivated and results oriented.
• Solid understanding of banking or financial business operations and systems.

Minimum Qualifications:

• College degree required.
• 10+ years’ AML/CFT Compliance experience with a multi-billion-dollar institution.
• 5+ years’ Management experience.
• CAMS certification preferred.
• Proficiency with AML/CFT automated software systems and processes; experience with Verafin AML/CFT/AM software preferred.

What do I do now?

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Disability Accommodation Statement
Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at 219-755-6160 or send us an email at [email protected]. 

Equal Opportunity Employer/Disability/Veteran
Centier Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.