Senior BSA Analyst - Financial Crimes

Why This Role Exists

Financial crimes risk is constantly evolving, and Metro needs thoughtful, detail-driven experts who can see beyond alerts and reports to understand patterns, risk, member impact, and regulatory expectations.

The Senior BSA Analyst plays a critical role in protecting Metro Credit Union, its members, and its reputation by identifying suspicious activity, strengthening BSA/AML controls, and helping the organization stay ahead of regulatory requirements.

This is more than a compliance processing role. It is an opportunity to be a trusted partner in a high-impact area of the Credit Union, where strong judgment, investigative curiosity, and sound documentation help safeguard the organization every day.

What You'll Own

Complex BSA/AML investigations, escalated alerts, and suspicious activity reviews
Enhanced Due Diligence and ongoing behavioral monitoring for higher-risk members
Accurate and timely SAR and CTR compliance workflows
KYC record quality, documentation standards, and investigative consistency
SOP updates, process improvements, and reference materials that support a strong compliance culture
Cross-functional partnership with teams involved in fraud prevention, risk mitigation, and member protection

What You'll Do

Conduct comprehensive Enhanced Due Diligence reviews and ongoing behavioral monitoring to identify potential BSA/AML risk and support timely, informed decisions.
Review, analyze, and resolve alerts generated by AML software, documenting findings clearly and escalating concerns when appropriate.
Prepare and submit Suspicious Activity Reports in accordance with FinCEN requirements, ensuring filings are accurate, complete, timely, and well supported.
Oversee Currency Transaction Report workflows within the automated compliance management system to help ensure deadlines and reporting standards are consistently met.
Maintain accurate Know Your Customer records and support strong member due diligence practices.
Reconcile key reports, identify missing or inconsistent information, and partner with internal teams to resolve issues that affect regulatory compliance.
Update and author SOPs, job aids, and reference materials as regulations, systems, or internal processes evolve.
Collaborate across departments to investigate suspicious activity, reduce fraud risk, and recommend practical corrective actions.
Mentor new team members, reinforce best practices, and help build consistency across the Financial Crimes team.
Participate in special projects including system upgrades, workflow enhancements, and process improvements that strengthen Metro’s BSA/AML program.

Success Looks Like in 12 to 18 Months

Escalated alerts and complex investigations are handled with strong judgment, clear documentation, and timely follow-through.
SARs, CTRs, EDD reviews, reconciliations, and KYC updates are completed accurately and within required timelines.
SOPs and reference materials are current, practical, and easier for team members to apply consistently.
Internal partners view you as a reliable resource for BSA/AML questions, documentation standards, and investigative next steps.
Process improvements help the team work with greater accuracy, efficiency, and consistency.
You are contributing to a proactive compliance culture where risks are identified early and addressed thoughtfully.

You'll Love This Role If...

You enjoy investigative work and can connect details, patterns, and risk indicators.
You care about protecting members, the Credit Union, and the integrity of the financial system.
You are comfortable working in a regulated environment where accuracy and documentation matter.
You can balance independence with strong collaboration across teams.
You like improving processes, clarifying expectations, and making complex compliance work easier to execute.
You are energized by a role where judgment, curiosity, and follow-through make a visible impact.

AI Expectations

Metro expects team members to use AI thoughtfully and responsibly to improve speed, quality, consistency, and workflow efficiency while keeping human judgment central. In this role, you will be encouraged to use Microsoft Copilot and other approved AI-powered tools to support process improvement, organize information, draft or refine documentation, identify themes, and streamline routine work across the Financial Crimes team. AI should support stronger analysis and efficiency, not replace regulatory judgment, confidentiality obligations, or required review.

Required Qualifications

Bachelor’s degree or equivalent combination of education and relevant work experience strongly preferred.
2 to 3 years of related BSA, AML, financial crimes, compliance, fraud, banking, credit union, or risk experience strongly preferred.
Working knowledge of BSA/AML requirements, including Chapter X, the USA PATRIOT Act, FinCEN expectations, and the FFIEC BSA/AML Examination Manual.
Strong analytical skills, attention to detail, and ability to document findings clearly and accurately.
Ability to manage time effectively, prioritize competing deadlines, and work with diligence in a fast-paced environment.
Clear written and verbal communication skills, including the ability to present information in a practical, easy-to-understand way.
Ability to work independently while contributing as a collaborative team member.
Comfort adapting to changing priorities, regulatory expectations, systems, and workflows.

Preferred Qualifications

BSA Certification and/or Certified Anti-Money Laundering certification preferred.
Experience preparing or supporting SAR and CTR filings.
Experience using automated compliance management, AML monitoring, or case management systems.
Experience updating SOPs, job aids, or procedural documentation.
Experience mentoring newer team members or supporting team training.

Why Metro

Metro is investing in the systems, processes, and talent needed to protect members, strengthen compliance, and support responsible growth. In this role, your work has real visibility and purpose.

You will help identify risk, improve how financial crimes work gets done, and partner with colleagues who care about doing the right thing for members and the organization.

If you are looking for a role where your investigative mindset, regulatory knowledge, and process improvement ideas can make a meaningful difference, this is a strong opportunity to grow your impact at Metro.

Our Benefits

We believe great work starts with supporting our people. That’s why we offer a competitive and well-rounded benefits package designed to support your health, financial well-being, career growth, and work-life balance. From medical, dental, and vision coverage to retirement savings, paid time off, learning opportunities, and employee wellness resources, we invest in helping our employees thrive both at work and beyond.

Click here to learn more about our benefits package and employee perks.

Hybrid Policy Eligibility

Minimum days in office per week: 3, with Tuesday and Wednesday required.
Minimum days in office for onboarding: 10 days.
4x10 eligible: Yes.

Compensation Disclosure

$32.00 – $40.00/hour.

The salary range listed provides a general expectation for the role. Final compensation is based on experience, unique strengths, and the impact you are expected to make. Metro also offers a competitive benefits package and additional perks that contribute to total compensation.

Ready to Make an Impact?

At Metro Credit Union, we believe our employees are our greatest asset. We are committed to creating a work environment where you can thrive professionally while maintaining work-life balance. From comprehensive benefits and competitive compensation to opportunities for growth and development, we invest in your success. Join a team where your work makes a real difference in protecting our members and strengthening our community.

About Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.4 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program.

Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos (“Together We Advance”) designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman's Best of 2025 awards; and recognized as one of America's Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.