• Financial Crimes Compliance Analyst II – Quality Assurance

    Job Location US-TX-Richardson Operations Center
    Location: Address
    2350 Lakeside Blvd
    Compliance & Regulatory
  • Overview

    At Texas Capital Bank, we are driven by a single-minded and unwavering mission: to serve business and the individuals who run them. We use a consultative approach and innovative technologies to develop new ideas that give the bank and our clients a competitive advantage. We partner with our customers to push the boundaries of what’s possible—together.

    Headquartered in Dallas, Texas Capital Bank has offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, and we serve clients in a variety of industries from coast-to-coast.


    We are on the Forbes Best Banks in America list, and were named a top place to work by The Dallas Morning News and San Antonio Express-News. For further information, please visit us atwww.texascapitalbank.com.


    The bank’s Financial Crimes Compliance (FCC) team is responsible for identifying, investigating and monitoring relationships that pose a money laundering or terrorist financing risk in support of all legal and regulatory requirements relating to anti-money laundering (AML) and counter terrorism financing.


    The Quality Assurance (QA) Analyst is responsible for reviewing investigation documentation and/or Suspicious Activity Reports (SARs) filed by Texas Capital Bank to ensure compliance with Bank Secrecy Act (BSA) requirements, regulatory expectations, and internal policies. The QA Analyst will be on a team which has QA responsibilities of all investigative units within the bank, which includes Alerts, Anti-Money Laundering (AML), Terrorist Financing (TF), and High Risk Customers.


    A critical component of the job is to ensure the investigative units are making appropriate risk decisions including the decision to file a SAR or not file a SAR. Therefore, the QA Analyst should have an intermediate or advanced understanding of common money laundering/fraud typologies (e.g. Human Trafficking, Elder Abuse Scams, Black Market Peso Exchange, etc.). In addition to a normal case/SAR QA workload, the Analyst will be tasked with various projects, including potential recurring monthly processes which may involve interaction with managers in other groups within Compliance or FCC.


    A QA Analyst will need to be capable of working both independently and within a team environment. Due to the nature of AML/TF work, it is essential that an analyst is capable of making balanced decisions in a confident manner and is willing to defend positions using sound logic and reason. In addition to conducting traditional core BSA/AML QA testing, the QA analyst will be tasked with non-traditional testing methods which may differ from month-to-month. Flexibility and willingness to learn is a must.


    • Review SARs and/or investigation documentation to ensure they consistently meet Bank Secrecy Act requirements, regulator expectations and internal policies (timeliness, accuracy, completeness).
    • Evaluate the effectiveness of investigative work products to ensure the appropriate risk factors were considered in the overall decision to SAR/No SAR.
    • Serve as a control owner for controls maintained by QA
    • Participate/Lead in periodic QA calibration sessions to improve quality and consistency.
    • Provide feedback and training to the bank's investigation teams on how to improve their SAR reporting and investigation quality
    • Assist with trend analysis on SARs filed by the bank, to include deficiencies in SAR reporting, but also in regard to suspicious activity, account type, and/or geographic trends identified.
    • Prepare reports for Investigations Quality Assurance management.
    • Assist in implementation of AML/BSA detection and prevention methods, such as training and instruction manuals.
    • Lead special projects or critical casework.
    • Actively ensure compliance with the Texas Capital Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security, and suspicious activity reporting requirements, policies, and procedures. Actively participates in any required corporate and business line training in these areas.


    • Bachelor’s Degree in Accounting, Finance, Business, Criminology, or related field or equivalent work experience
    • Prior bank experience in AML/Fraud environment or internal audit; Experience in investigations, including filing SARs on Fraud and/or AML/TF matters or related audit/regulatory experience preferred
    • Knowledge of Bank Secrecy Act / Anti Money Laundering laws and regulations
    • Intermediate or advanced knowledge of money laundering techniques/fraud schemes
    • Capable of describing AML risks and controls
    • ACAMs or ACFE certification preferred
    • Strong verbal and written communication skills including the ability to edit written documentation
    • Keen attention to detail on a consistent basis
    • Willing to learn and be flexible to change
    • Critical thinking skills
    • Proficiency in Microsoft Excel, Access, Word and/or experience in using other database applications


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