As a Banking Specialist IV, you help create the energy and excitement around Amerant Bank products, providing the right solutions and getting products into customers’ hands. You understand that Amerant Bank is dedicated to delivering a customer experience that’s unlike any other. It starts with you discovering customers’ needs and with the support of your team members, you match those needs with the right products. Every day is an opportunity for you to turn another Amerant Bank customer into a loyal customer. Purpose of role is to provide teller and platform-based transactions, manage lobby activity and support mobile, online banking and digital solutions. In addition, provide education and knowledge of our consumer and small business products to existing and new customers.OPERATIONAL EXCELLENCE:Process all manner of financial transaction requests including but not limited to deposits, withdrawals, check cashing, issuance of cashiers’ checks. Research and resolve issues related to end of day banking center balancing.May be responsible for functions related to the day-to-day operation of the ATM, cash recycler, drive thru and night drop. Ability to open new accounts and perform maintenance transactions on the Bank’s platform system including debit card issuance and ongoing maintenance as well as completion of Know Your Customer requirements. Execute all operation responsibilities relative to opening and maintain all products and services. Review customers account activity to ensure compliance with Bank Secrecy Act. May be responsible for the daily review of overdraft, uncollected and significant balance change reports. Ability to originate new credit requests and respond to loan related inquiries. Follow Bank policies and procedures, as well as legal and regulatory requirements, including security and audit procedures.Adhere to all policies and procedures per Retail Banking’s operating manuals, employee handbook and all other that apply to the position functions. Ensure all regulatory requirements as well as security and audit procedures are adhered to always. Responsible for ensuring individual acts do not lead to Bank operating losses as well as escalating potential concerns that could lead to Bank loss to appropriate supervisor. Identify, evaluate, monitor and make any recommendation deemed necessary to the Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards. Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.CUSTOMER SERVICE:Act as a customer advocate to ensure we meet the needs of our customers and prospects with the intent of enhancing customer retention and engagement.Resolve customer problems and follow up to ensure customer’s expectations are met.Deliver customer experience for all segments to ensure quality customer experience every day every time.Provide quality customer service to all current and prospective customers as measured by Bank service standards. BUSINESS DEVELOPMENT:This position requires consistently meeting or exceeding sales goals as defined by management. Achieve out bound conversation expectations as defined by management.Responsible for acquiring, retaining and expanding new and existing customer relationships by providing a positive new account experience, profiling, assessing customer needs, and recommending and selling appropriate banking products and services. Take an active role in educating our customers on other banking channels to meet their needs.Responsible for learning and maintaining knowledge of Bank’s products and services.Participate in business development activities in support of the banking center market development activities as requested.Actively participate in community organizations to promote the Bank brand as well as support business development initiatives.Refer prospects and clients to other lines of business according to determined segmentation (AMTI, Commercial Banking, etc.)BANK TRANSFORMATION:Adhere to expectations defined for banking centers as defined by management.Responsible for adhering to no personal space guidelines and that the banking center is clean and free of clutter.For Transformed Banking Centers: Responsible and able to utilize all elements within a transformed banking center: Welcoming Zone, Comfort Zone, Discovery Zone, Advisor Connect, Service Spots, Teller Tower, etc. Learn and encourage usage of all digital components in the banking center by banking center guests. May be the Digital Advocate for the banking centers. Responsibilities include being an expert on the Bank’s Online Banking (personal and business) and Mobile Banking channels to be able to assist customers and promote their sale and usage. Responsible for educating other team members on digital channels.Adhere to and participate in lobby management standards including acting in the Greeter role. Greet customers/prospects in the lobby in accordance with banking center defined standards. Adhered to defined career wear standards.OTHER:Live the Bank values every day.Complete mandatory training and required responsibilities to have knowledge of complete lines of products and services.May have approval authority.May be asked to train and aid less experience banking center team members.Cooperates with superiors, peers to accomplish team and Bank goals.Ability to work in different assigned banking centers within the region.Other duties as required. Minimum Work Experience Requirements:Banking Specialist IV requires over 5 years’ experience in Bank sales / service environment or equivalent experience to include sales results.Minimum Education Requirement:High School or GED required. AA or Bachelor’s Degree preferred. English required, and certain markets may require second language skills.Functional Skills & Knowledge Requirements:Must be a team player, can work under pressure, have a professional image and be able to resolve problems and conflicts. Must be able to prioritize work and effectively manage time. Must possess basic business communications skills such as advanced writing, listening and have basic office and mathematics skills, and customer service skills. Possession of professional skills such as report writing, basic statistics, effective presentation skills and creative skills are required. Must possess sales and negotiation skills. *Applicant must be NMLS registered and provide the company with their NMLS number or be willing to register in NMLS upon accepting an employment offer. Additionally, FBI Criminal Background and credit checks must be successfully passed within the first 30 days of employment, or 30 days from the date of the upload (whichever occurs first).
The AML Monitoring and Testing Officer is responsible for the compliance testing performed at the Amerant Bank, N.A. and its affiliated entities, including Amerant Investments, Inc. and Amerant Trust, N.A. including creation, implementation, and maintenance of the compliance testing program. A portion of this position will focus on enhancing data quality and participating in systems implementation for the BSA department. This role will identify deficiencies in the compliance program and recommendations for remediation, and report to the direct team leader. Maintain a detailed knowledge of all applicable BSA/AML and OFAC sanctions related laws, regulations, regulatory changes, industry guidance, trends and emerging areas of concern.Responsibilities:Assist the Compliance Risk Strategy/Planning Officer in expanding and maintaining of the BSA/AML and OFAC compliance testing function at Amerant Bank, N.A. and its affiliated entities, including Amerant Investments, Inc. and Amerant Trust, N.A.Perform AML/BSA/OFAC compliance testing to mitigate exposure to regulatory sanctions, fines, and penalties, and ensure compliance with federal and state regulations and organizational policies and procedures.Identify, evaluate, and report to the BSA Management any current or prospective risks from potential violations of, or nonconformance with laws, rules, regulations, and prescribed practices. Work in collaboration with AML Risk Strategy & Planning Officer to review business processes within BSA Compliance and evaluate key controls or QA business functions to ensure effectiveness.Identify control gaps, trends, themes, tendencies that indicate risks and facilitate deep dives into any significant current or emerging risk areasCollaborate with cross-functional teams to drive process improvements, enhance data accuracy, and increase overall compliance efficiency.Provide recommendations based on data analysis and assist in the implementation or enhancement of any system used by the BSA department.Conduct thorough data analysis using advanced Excel techniques, including pivot tables, VLOOKUP, macros, and complex formulas, to assess trends and potential risk areas for each respective testing review.Assist the Compliance Risk Strategy/Planning Officer in the creation of a data reconciliation process to ensure data extraction, curation and reconciliation are conducted for proper reporting and generation of alerts. Act as a Subject Matter Expert from a policies and procedures perspective, supporting adjacent units for technical questions or requests with the ability to use the knowledge to proactively improve controls in place. Mitigate exposure to losses by identifying and evaluating risk controls; providing compliance review results; and make recommendations to improve internal controls.Identify, evaluate, and monitor recommendations to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards. Ensure appropriate testing and assessment of BSA/AML and OFAC compliance related functions and system of internal controls, including but not limited to:Compliance with customer identification requirements (“CIP”)Compliance with Know Your Customer (“KYC”) and Customer Due Diligence (“CDD”) and Enhanced Due Diligence (“EDD”) functionsRisk assessment of the BSA/AML/OFAC Compliance ProgramTraining programAccuracy and timeliness of CTR reportingRecordkeepingPolicies, procedures, systems, and processes for transaction monitoring, investigation, and suspicious activity reportingList filtering (e.g., OFAC, Section 311, etc.)Quality assurance testing and documentationCompliance with information sharing requirementsEscalate any significant deficiencies in the BSA/AML and OFAC compliance program. Communicate with management regarding ongoing compliance testing activities and develop timelines.Work with relevant stakeholders to create corrective action plans, as needed, based on compliance testing results.Ensure that corrective actions plans are completed in a timely manner.Deliver training as required.Assist in the review of the BSA/OFAC Risk Assessment and MLR and make recommendations.Keep abreast of all pertinent regulatory changes and maintain knowledge of past, current, and emerging compliance regulations relating to BSA/AML and OFAC.Perform other duties as assigned.Minimum Education and /or Certifications:Bachelor’s Degree required, preferably in Finance, Business Administration, Economics, management or relevant field, Certified Anti-Money Laundering Specialist (CAMS), Certified Professional in Anti-Money Laundering (CPAML) or AML/BSA/OFAC certifications.Minimum Work Experience Requirements:4+ years in the financial services industry, preferably in anti-money laundering compliance in an international banking environment or other related experience such as risk management, internal audit (i.e., conducting BSA/AML and OFAC Independent Reviews), or similar control-related experienceTechnical and/or Essential Knowledge: Strong verbal, written communication, and organizational skills with the ability to summarize and present findings in a clear and concise manner. Training, presentation, and analytical skills. Independent thinker and ability to manage numerous tasks and sensitive information in a professional manner in a fast-paced deadline driven environment. Ability to work collaboratively with cross-functional units; ability to navigate a complex organization to influence people across cultures. Ability to manage confidential and sensitive information in a professional manner. MS Word Advanced, MS Excel Advanced, and MS PowerPoint Advanced are required. Bilingual English/Spanish preferred. Experience with SQL, Python, or other data analysis tools is a plus.Functional Skills & Knowledge: Must be a team player, ability to problem solve under pressure. Self-starter with proven ability to plan and work independently. High level of professionalism, self-motivation, and sense of urgency; ability to re-prioritize work as the immediate needs of the business change. Ability to work with cross-functional teams to ensure collaboration and effective results. Ability to recognize the need for change management initiatives, and the ability to lead while maintaining and driving engagement throughout the team. Attention to detail and accuracy is a plus.
The BSA Data & Monitoring Junior will assist in supporting and expanding Amerant Bank's compliance testing functions. The role focuses on ensuring the bank complies with the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations. Key responsibilities include performing compliance testing, identifying and evaluating risks, analyzing data, and improving processes. The Junior Analyst will collaborate with teams to ensure accurate reporting, assist in the development of training programs, and stay updated on regulatory changes. This entry-level position requires strong analytical skills, proficiency in Excel, and a sound understanding of compliance regulations.Responsibilities:Assist in performing AML/BSA compliance testing to help mitigate regulatory risks and ensure adherence to applicable laws, regulations, and internal policies/procedures.Help identify and evaluate potential compliance risks, reporting findings to the BSA Management team.Assist in the review of business processes related to BSA/AML compliance, focusing on evaluating key controls and QA business functions.Support in identifying control gaps, trends, and potential risk areas to help mitigate future compliance concerns.Collaborate with cross-functional teams to improve processes, enhance data accuracy, and optimize compliance efficiencies.Conduct data analysis using advanced Excel techniques (e.g., pivot tables, VLOOKUP, and formulas) to support risk assessments and compliance reviews for the Bank’s Monitoring and Testing program.Assist in the creation and maintenance of data reconciliation processes for accurate reporting and alert generation.Assist in extracting actionable curated data to properly reconcile the Bank’s transaction monitoring system. Provide support to internal teams on policies and procedures, answering technical questions, and helping identify opportunities for control improvements.Monitor and assist in the testing of the BSA/AML program, including areas like customer identification (CIP), KYC/CDD/EDD, transaction monitoring and emerging topics of interest as delineated in the monitoring and testing program. Support the development and delivery of training programs on BSA/AML compliance topics.Stay up to date with regulatory changes and assist in maintaining the organization’s compliance programs.Provide regular updates on the status of compliance testing activities and help develop action plans for identified issues.Assist in compiling data metrics as needed from the Bank’s data mart to generate reports used in audits, examinations or adhoc reporting needs. Help prepare reports and presentations on compliance findings and assist in ensuring that corrective actions are completed on time.Perform additional duties as needed and directed. Minimum Education and /or Certifications:Bachelor’s Degree required, preferably in Finance, Business Administration, Economics, management, Data Analytics or relevant field. A plus to have any of the following certifications: Certified Anti-Money Laundering Specialist (CAMS), Certified Professional in Anti-Money Laundering (CPAML), AWS Certified Analytics – Foundational, Data Analyst Associate (Power BI), Azure Data Fundamentals (DP-900) or relevant data certification. Minimum Work Experience Requirements: 1-3 years of experience in the financial services industry, preferably in a compliance or risk management role. Internships or relevant academic projects in compliance, auditing, or risk management will be considered alongside professional experience.Technical and/or Essential Knowledge: Strong verbal, written communication, and organizational skills with the ability to summarize and present findings in a clear and concise manner. Training, presentation, and analytical skills. Independent thinker and ability to manage numerous tasks and sensitive information in a professional manner in a fast-paced deadline driven environment. Ability to work collaboratively with cross-functional units; ability to navigate a complex organization to influence people across cultures. Ability to manage confidential and sensitive information in a professional manner. Proficiency in MS Word, MS Excel, and MS PowerPoint are required. Bilingual English/Spanish preferred.Functional Skills & Knowledge:Must be a team player, ability to problem solve under pressure. Self-starter with proven ability to plan and work independently. High level of professionalism, self-motivation, and sense of urgency; ability to re-prioritize work as the immediate needs of the business change. Ability to work with cross-functional teams to ensure collaboration and effective results. Ability to recognize the need for change management initiatives, and the ability to lead while maintaining and driving engagement throughout the team. Attention to detail and accuracy is a plus.
Establish and help the creation and deployment of Procurement roadmap initiatives and program maturity opportunities. Continuously improve Procurement and Third-Party Risk functions and infrastructure needed to delivery against our Vision and Mission at Amerant Bank. On an ongoing basis, direct and champion Vendor, Contract, Sourcing, Category, Risk management activities across the company, collaborating closely with company’s teams, leaders, partners, stakeholders, and vendors in pursuit of sustainable procurement and vendor management practices that improve key relationships and reduce total cost of ownership. Incremental improvements in the quality and service levels of key vendors and continuous mitgiation of Key Risk Indicators.Responsibilities:The Procurement Program Manager’s (PPM) primary responsibility is the development, deployment, management, and performance reporting of maturity opportunities throughout the spectrum of Procurement and Third-Party Risk projects. Balancing the dual responsibility of Program Management and Operational Delivery while always being mindful of risk mitigation. This delivery and reporting may include Financial Impacts, Risk Mitigation, Service Delivery and Overall Procurement delivery by key personnel and vendors of the Bank. By actively managing maturity and projects to enhance the overall effectiveness of PTPRM Group and across the company. The PPM is the accountable leader for regulatory compliance activities, projects and policies related to management of key Procurement practices. As the leader responsible for Program Delivery and Operational excellence efforts, the PPM has the following specific responsibilities-Assess Program, Project and PTPRM Issues: The PPM will work closely with the Amerant team members, key service provider representatives, and within the boundaries of approved policies to execute, monitor and report on all current, past, and future deliver efforts and continuous improvement initiatives. Seek agreement on the best methods and options for resolving any issues, and to monitor ongoing effectiveness of all processes.Lead review efforts: The PPM will prepare a portfolio of revolving report packages, presentations, and communications related to key program delivery and Procurement Operations and serve as lead point of contact for audit, examination, risk, and control reviews. These reports will provide specific issues, areas of concern, and points of achievement within the existing PTPRM functions. Reports will be presented to the senior management committee and used as evidence during audits and examinations.Set standards/procedures: The PPM must keep abreast of best practices/new supply management developments and take steps to ensure that the company is implementing such practices where appropriate. Where necessary, and, in concert with Stakeholders, the PPM will develop guidelines, procedures, and standards for system and organizational wide PTPRM activities. These activities should cover, but not be limited to:Development of reports to track SLA, KPI and actual versus expected outcomes of key programs and projectsInstitution-wide reporting and data review of PTPRM activitiesInterfaces with members organization-wide and contributes to successful strategic partnerships.Service level agreements and other performance measurement mechanisms to assess the overall efficiency and effectiveness of programs and projects.Center of communication throughout company, with education and PTPRM associates and review teamsCompliance with all regulatory and audit guidelinesRepresent Procurement and Third Pary Risk: The PPM will promote and participate in company-wide committees and task forces as required to ensure that procurement’s input should be considered when major corporate decisions and initiatives (e.g., new product development, new or renewal decisions of vendors, business acquisitions) are made.Integrate PTPRM Functions with Educational programs: The PPM will work to seamlessly integrate educations, annual attestations, and new hire orientation materials, in conjunction with HR. The PPM will manage educational reporting and compliance of PTPRM procedures. Program Management: The PPM will oversee the overall management of strategic initiatives including latest programs, policies, procedures as well as continuous improvement opportunities.Manages and oversees the entire Program of maturity and opportunity or improvement projects and processes in conjunction with other pertinent business units such as Legal, Operations, Information Technology and Line of Business throughout the BankEnsures compliance with Regulatory Compliance framework issued by the Office of the Comptroller of the Currency (“OCC”), specifically Bulletin 2023-17 and other relevant guidance issued from time to time.Prepare and deliver presentations on Strategic PTPRM ProgramsProvide direction and training to the business units in executing PTPRM processes.Optimize relationships throughout the Bank, financial and quantitative analysis, risk management, and providing recommendations on areas of improvement.Serve as main point of contact for all PTPRM Program information, as well as key PTPRM data points. Execute Continuous Improvement (CI) Cycles for owned Process. The PPM along with reporting managers will be responsible for identifying and executing continuous improvement initiatives. The CI approach will encompass a wide range of activities such as:Review teams for specific items/categories targeting two aims: impact (cost and quality) and process improvements.Supplier management and development, including a “score-carding” capability that measures the top-tier suppliers’ performance on cost, quality, and time dimensions.Working Capital management including aggressive pursuit of timely payment discounts and vendor-provided customer billing, maximum penetration of web-enabled ordering, and invoice matching and error resolutionVerification and matching of invoices to contracts including working with users to ensure actual pricing received matches previously agreed upon contracts.Strategic Vendor Management. The PPM may share responsibility for the overall management of strategic vendor relationships including contract performance.Manages and reports on the strategic relationships in conjunction with other pertinent business units such as Legal, Operations, Information Technology and Line of Business throughout the BankEnsures compliance with Regulatory Compliance framework issued by the Office of the Comptroller of the Currency (“OCC”), specifically Bulletin 2023-07 and other relevant guidance issued from time to timePrepare and deliver presentations on Strategic Vendor relationshipsProvide direction and training to the business units in executing the performance management processesOptimize vendor relationships through contract management, financial and quantitative analysis, relationship management, and providing recommendations on areas of improvementServe as main point of contact for all third-party vendor risk management information, as well as key contractual data points for any assigned relationshipsMinimum Education and /or Certifications:Bachelor’s degree and Professional Process Oriented Certification including, but not limited to; PMP, CPM, CCM, SCMMinimum Work Experience Requirements:7+ years of Vendor Management, Procurement Operations, and Third-Party Risk, Management preferably in a finance related industry or bankingFunctional Skills & Knowledge:Procurement Operations, Vendor, Category, Contract and Third-Party Risk Management. Banking, Regulations, Sourcing and the inter-departmental relationship between Finance, Accounting and ProcurementTechnical and/or Essential Knowledge:Procurement, Third-Party Risk, Procurement Operations, Contract, Category Management, Procure to Pay, Contract Management. P2P and Risk Systems, MS Office
Oversee the EDD / CDD requirements and documentation for SMU clients and to support the bank’s international initiative. Coordinate transaction monitoring of certain customers such as Financial Institutions, NBFI, GOE, Private Client etc. for money laundering and other financial crimes for and assure compliance with the Bank’s Bank Secrecy Act Program. Perform special reviews of certain special reviews such as FFI Annual Certifications, WLIP, Non-Accrual Reviews, Broker Deposits, etc.Responsibilities:Support AML / KYC and SMU Supervisor by reviewing and assessing documentation and information and perform additional due dilligence for the onboarding and prescreening of prospect clients, requirements for new / existing clients, including but not limited to AML Manual, Audit Reports, Financial Statements, KYC and KYA, CBO, etc., execute further searches and screening using various tools, such as: open internet engines, AMS, OFAC, etc. Provide a recommendation for the onboarding and prepare Memos as necessary for the client’s onboarding process.Review and assess information and documentation for Special Monitoring Unit (SMU) clients during the update of the client’s file and according to the triggering event identified and in line with the process established in the manual, including refferal for other units or ad-hoc requirements.Initiate and coordinate requests related with CDD / EDD requirements for SMU clients, creating and tracking CDD / EDD cases in the respective case management system, track the cases for resolution and escalate matters to Supervisors as necessary based on unit’s procedures.Oversee and coordinate the completion of several special projects assigned to SMU, such as Foreign Correspondent Bank Annual Evaluation, Broker Dealer and Third-Party Lenders Support, Banks and Broker Dealers Review, Non-Accrual Review, etc. according to the unit’s procedures.Analyze AML system and manual generated alerts for SMU Clients against customers' profiles and documentation to determine whether the alert can be closed or may require more analysis, according to the unit’s procedures. Document alert’s disposition by either closing the review or recommending further investigation to be performed by a Sr Analyst. Send requests for information (RFI) to account officers, as well as KYC update request, when required to assess more clearly an unusual activity occurring in an account. Coordinate and followed-up on responses as per department procedures and timeframes. Coordinate & execute special reviews for SMU clients, such as Correspondent Bank Account (CBA) Annual Certification, Non-Accrual Loans Review, Broker Dealer Review and other reviews. Properly documenting the assessment in the respective form and following up process described in the unit’s procedure. Ensure the SMU Supervisor is promptly notified of potential reportable activities involving high-risk or complex accounts handled by this unit. Maintain accurate tracking of assignments and requests for documentation to ensure proper tracking of deadlines, as well as following up of pending items in a timely manner.Ensure that there is a proper level of record keeping retention that proves BSA regulatory compliance evidence during internal/external audits or regulatory examinations.To identify, evaluate, monitor, and make any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.Minimum Work Experience Requirements: Three (3) to Five (5) years of prior experience in BSA or bank auditing.Minimum Education and /or Certifications: Associates’ degree in Banking or Finance, and / or specific banking institute courses.Functional Skills & Knowledge:Excellent written and verbal skills. Working knowledge of the Bank Secrecy Act and US Patriot Act Title IIITechnical and/or Essential Knowledge: Proficient in Microsoft Office applications, FIS IBS Core and other systems, AssistCK . Good interpersonal skills. Certified Anti-Money Laundering Specialist (preferred).
This position supports the process of: (i) compliance with periodic financial reporting requirements of Federal banking regulators (Federal Reserve, OCC, FDIC) and other bank regulatory authorities as needed, (ii) compliance with periodic public company financial reporting requirements of the Securities and Exchange Commission (SEC) and preparation of consolidated and stand-alone financial statements in accordance with USGAAP; (iii) review of periodic financial statement consolidations, preparation and analyses of periodic financial reports for use of senior management and others charged with governance, and (iv) compliance with Company’s policies and procedures regarding Internal Controls over Financial Reporting (ICFR) based on criteria established in Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). This position also supports team members as expert in matters requiring specialized regulatory banking and non-banking technical accounting and reporting expertise, and on the fulfillment of periodic requests from internal and external auditors and other stakeholders.Supports the preparation and review of monthly consolidated financial statements for all entities, including Bank Holding Companies, non-banking holding companies, the Bank and subsidiaries. This responsibility includes:Compilation of financial and relevant nonfinancial data from various departmentsMaintenance of general ledger source worksheets and tax accounts worksheets during month-end closing proceduresJournal entries for consolidation purposes, including tax entries and equity methodReview and research of periodic accounting variancesProvide detail information to external tax consultants as requiredCompilation and review of monthly reporting packages including the financial position, results of operations, capital ratios and other applicable requirementsAssist in ensuring compliance with the department’s established internal control proceduresSupports the preparation of periodic financial statements and management and discussion and analysis for inclusion in the Company’s filing with the Securities and Exchange Commission (SEC) and other statutory reporting uses. Also, supports the preparation of other SEC filings. This responsibility includes: Compilation of consolidated financial statements in accordance with SEC disclosure requirements Compilation of relevant financial and non-financial data necessary for developing and keeping current the Company Management Discussion &Analyses (MD&A). This includes coordination with the work of others within the organization.Draft explanations of key financial ratios, changes in financial position, results of operation, and all other relevant discussions for inclusion in the Company’s MD&A.Coordination and preparation of all SEC filings.Compilation of statutory stand-alone and consolidated financial statements under GAAP. Back up support for activities related to the investor relations function, including serving as liaison in matters pertaining to SEC reporting and investor relations.Ensures schedules prepared for inclusion in the company’s financial and non-financial disclosures and analyses are mathematically correct and agree to underlying books and records. All work must be self-reviewed, controls and check points must be established to ensure that the information is accurate and in agreement with the -underlying records. Maintaining operating effectiveness of control activities under the Company’s ICFR process.Supports the preparation of periodic regulatory reports (FFIEC 031, FRY-9C, FRY-9LP, FRY-6 among others) for compliance with Office of the Controller of the Currency, the Federal Reserve Bank of Atlanta and New York, the Federal Deposit Insurance Corporation and offshore regulatory financial reporting requirements. This responsibility includes:Develop a thorough understanding of the instructions applicable to each required reportResearching new or updates to the various instructions available for the preparation of reportsLeverage of monthly account variance analyses for timely and accurate compliance with regulatory reporting instructions.Compilation and analysis of relevant financial and nonfinancial data from various departmentsTransfer data into regulatory reporting software applications supporting the processAutomation of regulatory reports data extraction, daily data extraction.Analyze and solve issues pertaining to data transfers and macros within excel worksheetsCollaborate with other departments, to ensure a smooth monthly report generationAssist in ensuring compliance with the department’s established internal control proceduresSupports the research and analysis of the potential implications of new and/or revised existing pronouncements to new and existing products and services. This responsibility includes:Drafting technical accounting memoranda supporting analysis of the implications of the pronouncement in accordance with reporting requirements. Documentation should include a first point of view, proposed actions needed for implementation and a coordination strategy when collaboration from other areas within the organization may be necessary.Maintenance and ongoing compliance with the Company's global accounting policies (US GAAP, IFRS, Other basis of accounting). This includes assisting with the development of adequate documentation to support accounting and reporting judgments and conclusions in predetermined formats. The analyses must be as robust and close to final as possible to satisfy key stakeholders’ expectations.Supports the process of assisting with internal and external auditor requirements, preparation certain tax reporting forms, participate in special projects within the department, and Ad Hoc reporting. This responsibility includes:Keeping updated the area’s procedures manualsCompile the necessary data and supporting to comply with periodic internal and external audit requestsAssist in monitoring and maintenance of the Financial Reporting DatamartAssist in the development of automated reports to limit excel dependenciesServe as liaison with Information Systems Department, Project Management Office, and other entities of Amerant for matters pertaining to the operating subsidiariesKeeping updated the department’s procedures manualsRedesigning of reports generated by the department (Regulatory, Daily, and Monthly) to constantly improve operating efficienciesDocumentation of existing excel reports, macros and any other available resources used in executing the roleParticipate in special projects and ADHOC reports as requestedMinimum Education and/or Certifications Requirements:Minimum of a bachelor’s degree or equivalent in accounting, finance or related field is required, and a masters in accounting is highly desirable. Must be eligible, in the process of becoming eligible, to sit for the CPA exams. CPA highly desirable. Minimum Work Experience Requirements:Minimum of five years of experience in corporate and public accounting, including experience in banking regulatory financial reporting and analysis is highly desired. Technical and/or Other Essential Knowledge:Previous experience with MS Office is required. Peoplesoft, Wdesk, Axiom and ImageCentre proficiency not required but desirable. Familiarity with regulatory banking applications highly desirable. Must possess excellent technical research, analytical, oral and written communication skills.
The Loan Operations Quality Control Specialist is primarily responsible for the comprehensive examination of key financial reporting fields to ensure data integrity of loans to ensure compliance with Sarbanes-Oxley ("SOX"). This resource identifies gaps in the loan data and supports in the design of the quality control framework to conduct data input quality reviews related to the loan portfolio. Will also be responsible for communicating gaps noted in order to mitigate the recurrence of issues in the future.
Duties and responsibilities include:Responsible for the post-booking review of all new and renewed loans, monitoring the overall quality of key loan fields that have a direct impact in regulatory and financial reporting.Responsible for the review of loan maintenance changes, including collateral holds, interest rate changes, participations, flood information, and escrow data fields. Perform quality assurance audits of loan key fields to assure compliance with loan data integrity requirements. Responsible for identifying any data error being caused by potential issues in the different loan system applications/interfaces and ensure same are reported and monitor corrections as needed. Assists Management in audits (internal and external) related to the “Loan Data Integrity” control. May assist in the development and provide training, including bank wide seminars and daily guidance, to all applicable areas on data input errors impacting the loan quality integrity. Analyze and recommend stronger and/or more efficient internal controls and practices to achieve compliance goals dealing with loan data integrity. Develop and write operations procedures, in conjunction with Operations Management, to assure compliance with loan data integrity. May perform the review of new and renewed loans to ensure they are in compliance with certain applicable loan regulations such as (under the scope of responsibility described in the Departmental procedures): all aspects of Flood program requirements, Reg. O (ensure loan is properly coded when identified as a Reg O Loan), Reg. Z (ensure no violations exist related to Rescission period when applicable). Mainly in the review of Retail Loans (Retail Commercial, Consumer and Residential Loans). May assists in the sample audits perform to ensure compliance with loan servicing regulation within the Loan Operations Department (under the scope of responsibilities described in the Loan Operations Procedures) such as: Reg. “O” (loan codification), Reg. Z (Heloc Statements), Fair Credit Reporting Act (Credit Bureau reporting and disputes. Stay abreast of changes to federal regulations that might directly affect the loan operations area. Recommend to immediate supervisor, policies and procedures changes needed to maintain a streamlined and secured process. To identify, evaluate, monitor and make any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards. Assist Department staff when needed. Perform other duties and work on special projects as assigned.Functional Skills & Knowledge Requirements:
Superior customer service skills required. Strong knowledge in the Loan Operations processing and servicing area. Good level of knowledge in loan regulations. Ability to work within a team, ability to work well under pressure and meet tight deadlines. Supervisory and audit skills required.Minimum Education and/or Certifications Requirements:
Associates Degree as well as vocational training in loan regulatory aspects required. Bachelor’s degree preferred. OR comparable experience in lieu of education.
Minimum Work Experience Requirements:
Minimum three years’ experience in the Loan Operations processing and servicing area, with good level of knowledge in all aspects of the federal regulations impacting lending and loan operations. Loan accounting experience preferred.
Technical and/or Other Essential Knowledge:
Previous experience with Internet and MS Office Skills, including Outlook, MS Word Level II, MS Excel Level II and MS PowerPoint Level I and AS400 required.
The BSA Analyst I is responsible for monitoring the organizations internal policies, procedures, and controls to assure compliance with anti-money laundering regulations and rules.Duties and responsibilities include:Analyze AML system generated alerts against customers' profiles to determine whether or not the alert requires more review/analysis.Prepare BSA Reviews to address to the respective Business and Operations line Officers and their respective Regional Managers. Ensure timely resolution of alerts that become investigations. Render opinions and conclusions for each analysis. Provide the BSA Supervisor and/or the BSA Manager with any recommendations to file SARs.Provide ongoing assistance and AML guidance to Account Officers and other bank personnel to help ensure that the proper documentation is obtained to clear the reviews in a timely manner.Ensure that the AML system properly reflects the reviews conducted and the ultimate disposition of the review.
Perform quality control reviews of work and documentation.
Provide timely feedback and assistance to the Team Lead, as defined by management.To identify, evaluate, monitor and make any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.Minimum Education and/or Certifications Requirements:
Bachelor’s degree in Banking or Finance, and specific banking institute courses.
Minimum Work Experience Requirements:
1+ years experience in BSA or bank auditing
Technical and/or Other Essential Knowledge:
Proficiency using Microsoft Office 365 products including MS Word, MS Visio, MS Excel, MS Teams, and MS PowerPoint
To provide superior standards of service to an assigned portfolio of high net worth customers with the objective to strengthen customer loyalty and retention, ensuring excellent customer service. Responsible of meeting KYC/KYA AML and other regulatory compliance standards. Ensures documentation is up to date and complete.Responsibilities:Provides day-to-day personalized customer service under quality standards defined by the Bank for this client segment.Ensures transactions are processed within service levels by all units of the Bank. Escalates to Management issues related to products and transaction processing that need to be solved at higher level.Addresses and solves client concerns, claims and queries, ensuring that the process of customer claim resolution is administered within the established parameters of quality and efficiency.Coordinates with multiple units of the Bank to exceed customer service expectations.Keeps abreast of current banking products / services, as well as the processes associated to the delivery of these products and services.Prepares, as requested, activity reports related to customers’ transactions.Daily follow-up to validate that the customers’ transaction requests have been processed according to customers’ instructions.Handling the opening of new accounts and Time Deposits for MBNA, MBC and other affiliate companies as required.Coordinate with customers the renewals of Time Deposits.Process the inclusion and exclusion of cosigners in existing accounts. Contact customers for the activation of dormant accounts and invalid e-mails. Open cases for processing by IDO.Processing of account maintenances. Contact customers to obtain updated documentation on existing accounts: ID’s, W-8’s, etc.Coordination of Credit Cards Migration with customers.Confirm and process manual and i-wires.Processing of credit cards, Travel Memos, activation, payments and temporary increases.Process requests for Debit Cards and PIN’s.Processing of Stop Payments.Report and handle Fraud cases with customers and Fraud Prevention Unit.Process Reference Letters.Process and send to customers account statements, for deposit accounts, credit cards and loans.Request of checkbooks.Preparing and processing packages of loan documentation with the respective units.Processing of Loans, new Credit Cards and Credit Cards Line increases thru B2C. Prepare and process loan advances.Process loan pay-off and pay-downs via MC3.Prepare and submit for management approval Pledge Releases.Contact customers to cover Margin Calls in Pledge Accounts to maintain collateral coverage according to Credit Policies.Prepare documentation for the change of collateral owners or collateral accounts for Pledge Accounts. Perform Annual review of Pledge Accounts for existing Lines of credit/Loans.Daily monitoring of overdrafts, loan maturities, exceptions and past dues. Coordinating with customers the coverage of overdrafts, and payments and renewals of loans.Obtain required documentation from customers to cure exceptions and past due loans maintaining these indicators within Bank standards.Daily review of significant balance change for AML/BSA purposes. Contact customers to validate transactions, review and validate supporting documentation provided by customers. Maintains client files compliant with regulations.Update DVA’s Report.Closing of accounts due to BSA matters.Respond OFAC possible hits and contact customer to obtain information as required.Gather documentation and prepare package for PEP’s approval.Perform Adverse Media Search on customers as needed.Responds to audits of assigned customer portfolio by internal, external and compliance auditors.Review various anti-money laundering activity reports created by the Compliance Department to detect unusual activity in customers’ accounts. Investigate such activity and obtain from customer the explanation and documentary validation as appropriate. Answer accurately and on a timely manner BSA/AML inquiries.Report any unusual activity that cannot be validated to BSA liaison and to supervisor. Review the account documentation for new customers/accounts and conduct due diligence.Prepare annual certifications of high risk accounts.Prepare and keep updated KYC/KYA's. Prepare Cash Secure Loan Addendum.Adhere to compliance policies and procedures.Complete assigned training on BSA to keep abreast of regulations.Acts as back up of other Client Services Associate / Officers.Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issuesTo identify, evaluate, monitor and make any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.All other duties as requiredMinimum Work Experience Requirements:6 - 10 years of experience in servicing international customer’s accountsMinimum Education and/or Certifications Requirements:Bachelor’s degree in finance or business administration preferred.*** Applicant may be NMLS registered and provide the company with NMLS number or be willing to register in NMLS prior to employment being offered. Additionally, FBI Criminal Background and credit check must be successfully passed before job offer is presented.Technical and/or Other Essential Knowledge:Good understanding of banking products and services. Organizational skills and time management. Superior customer service skills. Excellent knowledge of service quality practices, tools and indicators. Problem solving and conflict resolution skills. Excellent written and verbal communications. Excellent presentation. Results and teamwork oriented. Superior listening skills. Capabilities to learn through experience and seek professional development. Relies on limited experience and judgment to plan and accomplish goals. Ability to deal with irate customers. Perseverance. Ability to deal with multiple departments (networking), across organizational levels, in order to meet or exceed customer needs. Bilingual English-Spanish. Knowledge in the use of banking systems and applications including queries.
The AML Monitoring and Testing Officer is responsible for the compliance testing performed at the Amerant Bank, N.A. and its affiliated entities, including Amerant Investments, Inc. and Amerant Trust, N.A. including creation, implementation, and maintenance of the compliance testing program. A portion of this position will focus on enhancing data quality and participating in systems implementation for the BSA department. This role will identify deficiencies in the compliance program and recommendations for remediation, and report to the direct team leader. Maintain a detailed knowledge of all applicable BSA/AML and OFAC sanctions related laws, regulations, regulatory changes, industry guidance, trends and emerging areas of concern. Responsibilities: Assist the Compliance Risk Strategy/Planning Officer in expanding and maintaining of the BSA/AML and OFAC compliance testing function at Amerant Bank, N.A. and its affiliated entities, including Amerant Investments, Inc. and Amerant Trust, N.A. Perform AML/BSA/OFAC compliance testing to mitigate exposure to regulatory sanctions, fines, and penalties, and ensure compliance with federal and state regulations and organizational policies and procedures. Identify, evaluate, and report to the BSA Management any current or prospective risks from potential violations of, or nonconformance with laws, rules, regulations, and prescribed practices. Work in collaboration with AML Risk Strategy & Planning Officer to review business processes within BSA Compliance and evaluate key controls or QA business functions to ensure effectiveness. Identify control gaps, trends, themes, tendencies that indicate risks and facilitate deep dives into any significant current or emerging risk areas Collaborate with cross-functional teams to drive process improvements, enhance data accuracy, and increase overall compliance efficiency. Provide recommendations based on data analysis and assist in the implementation or enhancement of any system used by the BSA department. Conduct thorough data analysis using advanced Excel techniques, including pivot tables, VLOOKUP, macros, and complex formulas, to assess trends and potential risk areas for each respective testing review. Assist the Compliance Risk Strategy/Planning Officer in the creation of a data reconciliation process to ensure data extraction, curation and reconciliation are conducted for proper reporting and generation of alerts. Act as a Subject Matter Expert from a policies and procedures perspective, supporting adjacent units for technical questions or requests with the ability to use the knowledge to proactively improve controls in place. Mitigate exposure to losses by identifying and evaluating risk controls; providing compliance review results; and make recommendations to improve internal controls. Identify, evaluate, and monitor recommendations to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards. Ensure appropriate testing and assessment of BSA/AML and OFAC compliance related functions and system of internal controls, including but not limited to: Compliance with customer identification requirements (“CIP”) Compliance with Know Your Customer (“KYC”) and Customer Due Diligence (“CDD”) and Enhanced Due Diligence (“EDD”) functions Risk assessment of the BSA/AML/OFAC Compliance Program Training program Accuracy and timeliness of CTR reporting Recordkeeping Policies, procedures, systems, and processes for transaction monitoring, investigation, and suspicious activity reporting List filtering (e.g., OFAC, Section 311, etc.) Quality assurance testing and documentation Compliance with information sharing requirements Escalate any significant deficiencies in the BSA/AML and OFAC compliance program. Communicate with management regarding ongoing compliance testing activities and develop timelines. Work with relevant stakeholders to create corrective action plans, as needed, based on compliance testing results. Ensure that corrective actions plans are completed in a timely manner. Deliver training as required. Assist in the review of the BSA/OFAC Risk Assessment and MLR and make recommendations. Keep abreast of all pertinent regulatory changes and maintain knowledge of past, current, and emerging compliance regulations relating to BSA/AML and OFAC. Perform other duties as assigned. Minimum Education and /or Certifications: Bachelor’s Degree required, preferably in Finance, Business Administration, Economics, management or relevant field, Certified Anti-Money Laundering Specialist (CAMS), Certified Professional in Anti-Money Laundering (CPAML) or AML/BSA/OFAC certifications. Minimum Work Experience Requirements: 4+ years in the financial services industry, preferably in anti-money laundering compliance in an international banking environment or other related experience such as risk management, internal audit (i.e., conducting BSA/AML and OFAC Independent Reviews), or similar control-related experience Technical and/or Essential Knowledge: Strong verbal, written communication, and organizational skills with the ability to summarize and present findings in a clear and concise manner. Training, presentation, and analytical skills. Independent thinker and ability to manage numerous tasks and sensitive information in a professional manner in a fast-paced deadline driven environment. Ability to work collaboratively with cross-functional units; ability to navigate a complex organization to influence people across cultures. Ability to manage confidential and sensitive information in a professional manner. MS Word Advanced, MS Excel Advanced, and MS PowerPoint Advanced are required. Bilingual English/Spanish preferred. Experience with SQL, Python, or other data analysis tools is a plus. Functional Skills & Knowledge: Must be a team player, ability to problem solve under pressure. Self-starter with proven ability to plan and work independently. High level of professionalism, self-motivation, and sense of urgency; ability to re-prioritize work as the immediate needs of the business change. Ability to work with cross-functional teams to ensure collaboration and effective results. Ability to recognize the need for change management initiatives, and the ability to lead while maintaining and driving engagement throughout the team. Attention to detail and accuracy is a plus.
