Currency Transaction Report (CTR) Specialist

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We’re always looking for bright individuals to join our growing organization. As a part of the First Financial Family, we will invest in your development and provide a dynamic work environment where you’re challenged, valued and empowered every day. We strive to be the best destination for the industry’s top talent, creating a diverse, collaborative workplace that celebrates innovation and change. We are one team, working together to get things done.

Job Description:

Office Location:

Abilene, Texas, United States

SCOPE/CONTACTS:

Incumbent is responsible for ensuring accurate, complete, and timely reporting of all cash transactions that meet or exceed regulatory thresholds in accordance with the Bank Secrecy Act (BSA) and FinCEN requirements. This role supports the organization's anti-money laundering (AML) and financial crime prevention program. The incumbent will regularly interact with Bank managers and employees.

ESSENTIAL FUNCTIONS: Incumbent’s responsibilities will include:

• Review daily cash transactions to identify reportable activity under BSA/AML requirements.
• Prepare, validate, and submit Currency Transaction Reports (CTRs) through AML systems and the FinCEN BSA E‑Filing System.
• Ensure accuracy and completeness of all customer and transaction data included in each CTR filing.
• Maintain audit‑ready documentation for all CTR‐related activity and filings.
• Assist in the identification, aggregation, verification, and timely filing of CTRs in accordance with 31 CFR 1010.310–314.
• Maintain accurate CTR logs and records to support regulatory exams and internal audits.
• Identify potential structuring or other unusual cash activity and escalate concerns to BSA/AML investigators.
• Conduct customer research and analysis to validate the legitimacy of cash transactions.
• Collaborate with BSA/AML investigators regarding potential SAR (Suspicious Activity Report) considerations.
• Maintain a high level of understanding and expertise in consumer regulatory compliance, the Bank Secrecy Act (BSA), and Anti‑Money Laundering (AML) regulations related to lending, deposits, and general banking operations.
• Stay up to date on new or amended federal regulations, official regulatory guidance, and FinCEN updates relevant to BSA/AML compliance.
• Provide training, guidance, and ongoing support to frontline staff on proper CTR procedures and requirements.
• Actively participate in the organization’s Customer Service First program, supporting company values and adhering to established policies and procedures.
• Complete compliance training related to the position in a timely manner.
• Understand and comply with applicable laws and regulations that apply to the position.
• Safeguard First Financial and customer information.
• Comply with the bank’s Code of Business Conduct and Ethics and Information Security policies.
• Perform other duties as assigned to support the broader compliance and BSA/AML functions, including assisting including reviewing and investigation potential suspicious activity.

MINIMUM QUALIFICATIONS:

• A minimum of two years of experience in banking or related field. Familiarity with financial institution BSA/AML compliance experience preferred.
• The incumbent must have a working knowledge of Word, Excel, Outlook, and Adobe Acrobat software. Experience with FinCEN’s BSA E-Filing System is preferred. Familiarity with other features of Microsoft’s Office suite of applications will be helpful.
• Attain, develop, and apply a thorough working knowledge of the requirements of banking laws and regulations, including the Bank Secrecy Act (BSA) and its implementing regulations.
• Perform job responsibilities effectively with minimum supervision.
• Good oral and written communication skills.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.

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)