Financial Crimes Manager

Title: Financial Crimes Manager
Department: Risk Management

Reporting to: SVP/General Counsel FLSA Classification: Exempt

Created Date: August 7, 2018 Revised Date: January 28, 2026

Position Summary

The Financial Crimes Manager serves as TTCU's designated BSA/AML Officer with primary responsibility for administration of TTCU's Fraud prevention activities, and Bank Secrecy Act / Anti-Money Laundering (BSA/AML) and OFAC compliance programs. This role ensures regulatory adherence, investigates potential financial crimes, supervises a team of specialists, and prepares the credit union for all BSA/AML-related audits and exams. The manager plays a critical role in safeguarding the credit union from fraud, financial crime, and reputational risk. Additionally, the manager oversees the Records Coordinator, who handles legal requests including subpoenas, garnishments, levies, and other agency inquiries related to member information. This position partners closely with internal departments and external agencies to ensure that TTCU maintains a strong, compliant, and responsive financial crimes program.

Supervises: Financial Crimes Analyst I and II; Senior Financial Crimes Analyst; Lead Financial Crimes Analyst; Records Coordinator.

Essential Job Functions and Responsibilities

BSA/AML Program Oversight- Serve as TTCU's designated BSA/AML Officer with primary responsibility for the design, implementation, and ongoing administration of the BSA/AML compliance program. Ensure the BSA/AML program meets all applicable regulatory requirements. Oversee the Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) programs. Ensure compliance with Beneficial Ownership and Customer Identification Program (CIP) requirements. Develop and maintain a comprehensive BSA/AML training program for all employees and volunteers, including role-based and specialized training for higher-risk functions and Board of Directors.

Financial Crimes Oversight - Leads TTCU's financial crimes operations by overseeing TTCU's transaction monitoring systems and managing the daily response to BSA/AML/OFAC alerts and fraud activity across all channels. Directs the investigation and resolution of suspicious activity and fraud cases. Ensures accurate and timely filing of Suspicious Activity Reports (SARs), Currency Transaction Reports (CTRs), and other required regulatory reports. Maintains internal procedures for alert handling, escalation, and documentation in accordance with applicable laws and credit union policies.

Team Leadership and Development - Provides coaching, direction, and day-to-day supervision to the Financial Crimes Analysts. Establishes performance expectations, monitors output and provides ongoing feedback and development opportunities. Fosters a high-performance culture that supports investigation quality, risk awareness, and operational efficiency.

Records Coordination Oversight - Supervises the Records Coordinator and ensures accurate and timely processing of legal requests, including subpoenas, garnishments, levies, and law enforcement or government agency inquiries. Confirms appropriate documentation, chain-of-custody, and confidentiality standards are followed. Serves as a liaison between the Records function and Legal, Risk, and Member Services teams.

Regulatory Audit and Exam Readiness - Serves as the primary point of contact for all BSA/AML and OFAC-related audits and regulatory examinations, including NCUA. Coordinates exam preparation, compiles required documentation, responds to examiner requests, and implements corrective actions as needed. Ensures all program components are up to date and in line with current regulatory expectations and industry standards.

Risk Reporting and Program Strategy - Analyzes program data and prepares fraud and BSA/AML-related reporting for senior leadership. Identifies trends, gaps, and areas for improvement, contributing to enterprise risk discussions and the continuous enhancement of TTCU's financial crimes strategy. Maintains and updates the BSA, OFAC, and fraud risk assessments in coordination with leadership.

Minimum Qualifications

Educational Requirements

Bachelor's degree in Accounting, Finance or other related discipline required

Certificates/Licenses

Reliable transportation is required.

Knowledge of Credit Union policies, procedures, and operations as well as the various programs and services offered Certification as Credit Union Compliance Expert and Bank Secrecy Act Compliance Specialist .

Experience

Experience overseeing Bank Secrecy Act/Money Laundering or Compliance departments: 6+ Years

Experience in banking or credit union with exposure to banking operations and terminology preferred: 4+ Years

Experience in a risk management and/or compliance department: 6+ Years

Experience in a supervisory/leadership position, motivating, recognizing, and coaching others to success: 2-3 Years

Position Competencies

Decision Making - Makes prompt decisions, even when they involve risk; makes difficult decisions, even when they involve tough choices; makes well-informed and considered decisions; takes responsibility for results.

Critical Thinking - Gains an understanding of the situation or problem; evaluates, integrates, and categorizes information to identify issues, patterns, trends, and relationships; challenges assumptions and draws informed conclusions that enable effective approaches and solutions.

Adaptability - Adapts well to ambiguity, change, and different cultures; finds positive opportunities in these circumstances.

Leadership - Leads groups and delegates work based on skills and potential; empowers others and motivates high performance; sets clear expectations and standards for performance; monitors work and coaches others to develop their full potential.

Strategic Thinking - Thinks broadly and considers important issues that impact success today and in the future; develops strategies to achieve critical outcomes; proactively seeks opportunities to introduce change.

Additional Requirements

Job Knowledge

*Advanced knowledge with Microsoft Office (Word, Excel, PowerPoint, SharePoint, and Outlook).

*Advanced knowledge of Money laundering regulations, NCUA Rules and Regulations, and Consumer Compliance regulations including but not limited to Reg B, Reg Z, Reg X, Reg CC, Reg E.

*Ability to learn proprietary computer software such as Keystone, OnBase, and Cisco Agent Desktop.

*Well-developed research skills, excellent analytical and critical thinking skills, and the ability to identify, review and communicate appropriate recommendations.

*Ability to independently manage the details of multiple programs and projects, to track activities and meet deadlines.

Interpersonal Skills

*Advanced written and verbal communication skills required to facilitate sharing of information with members, staff, and external contacts.

*Strong attention to detail and the ability to maintain confidential information appropriately and exercise discretion, sensitivity and tact at all times.

*Ability to create an atmosphere which promotes TTCU's Core Values by maintaining a high level of personal integrity, presenting a friendly, enthusiastic and professional demeanor while providing extraordinary service to members and fostering teamwork among employees.

Working Conditions

Work Environment

* Private work area, i.e., office

Physical Demands

* Must be able to remain in a stationary position (e.g., sitting at a desk) for extended periods.

* Occasional movement around the office to attend meetings or collaborate with team members.

* Ability to operate a computer and other office equipment as needed.

Travel

* Occasional travel for meetings, conferences, and industry related events.

Employee Statement of Understanding

I have read and understand the job description for my position. I understand that my supervisor may assign additional projects and/or responsibilities not covered in the description.

I am able to perform all of the essential functions of this position.

I agree to comply with the corporate compliance policy and all laws, rules, regulations, and standards of conduct relating to my position. As an employee, I understand my duty to report any suspected violations of the law or the standards of conduct to my immediate supervisor.

As an employee, I will strive to uphold the mission and vision of the organization. All employees are required to adhere to the values in all their interactions with members and fellow employees.