Risk Management Specialist I

Job Title: Risk Management Specialist I
Department: Administration
Reports To: Chief Risk Officer
Status: Non-Exempt
Salary Range: $35,700 - $48,300

Who We Are
At Timberline Bank, our people are our most valuable asset. We seek qualified employees who enjoy people, are innovative, and who are eager to learn. We, in return, provide opportunities for personal advancement and professional growth. The driving force behind our dedication to providing a "Better, Faster, Easier. -Always." experience is the Timberline Team. From the moment you enter the building, we greet you as a person, not an account number-our belief in the value of exceeding customers' high expectations is what makes Timberline Bank a bank here for our community. Our commitment has been and always will be to provide high-quality personalized customer service. With the Timberline personal touch, the level of customer support is unparalleled. We want to support you and your financial well-being, whether through your personal or commercial needs. Each customer contributes to the success of our small business. TO US, IT IS PERSONAL.

What We Value
At Timberline Bank, the core of our culture is in the following values. We believe heavily in fulfilling each one of these to the highest degree. Our culture is the foundation of who we are as a team, and as a business.

1. Exceeding Customers' High Expectations
2. Empowering a Dedicated Team
3. Having Fun While Winning
4. Passionate About our Communities
5. Value Added Resource for our Customers (Trusted Advisor)

Position Summary
This is a non-exempt, full-time position located in Grand Junction. This is the first level on a defined career path toward a career in Risk Management. The Risk Management Support Specialist is responsible for performing a variety of activities in support of the Bank's Bank Secrecy Act (BSA) Anti-Money Laundering (AML), Consumer Compliance, and Community Reinvestment policies and procedures.

Essential Duties and Responsibilities

• Maintain detailed documentation to demonstrate compliance with regulations and internal policies and procedures.
• Support with various monthly, quarterly, and yearly reporting and monitoring requirements.
• Able to work independently or with little supervision, in a team environment, take initiative, prioritize tasks, with the ability to provide problem prevention and resolutions.
• Work accurately with close attention to detail, displaying good time-management skills.
• Support the BSA/Compliance Officer with corrective actions to audit or examine exception findings, tracking policies/procedures, and internal controls for annual approval.
• Comply with applicable federal, state, and local laws and regulations.
• Other functions and responsibilities may be added at the Bank's discretion.

Compliance

• Support with the Regulation E/Error Resolution process.
• Support in reconciling and balance of Debit Card GL.
• Support with corrective actions to audit or examine exception findings, tracking policies/procedures, and internal controls for annual approval.
• Support with compliance-related questions and/or research for both consumer and commercial loans and deposits.
• Support the AVP of Risk Management with Customer Complaint management.
• Support with consumer compliance monitoring audits.
• Support with preparation and presentation of consumer compliance training.
• Support with Vendor Management processes.
• Support with the review of Marketing materials.
• Review rate sheets.
• Support with Incident Response Management.
• Support with Policy Management.

Bank Secrecy Act

• Recognize and communicate potential BSA/AML concerns and important issues to AVP, Risk Management.
• Identify data anomalies and red flags for money laundering, terrorist financing, fraud, and sanctions violations, and escalate for second-level review.
• Support with SAR preparation and filing.
• Process and analyze Guardian Officer's daily fraud alerts.
• Identify opportunities to improve processes and tools for greater efficiency.
• Maintain detailed documentation to demonstrate compliance with regulations and internal policies and procedures.
• Support with the submission of 314(a) lists and complete reviews.
• Perform OFAC clearing for Domestic and International wire activity, as needed.
• Support with various BSA tasks, including but not limited to OFAC research, Reviewer/Approver of Currency Transaction Reports, Currency Exemptions, SAR research/filing.

Community Reinvestment Act

• Support AVP of Risk Management/BSA/Compliance Officer with CRA Public File updates.
• Collect documentation, analyze information, and qualify/validate Community Development (CD) activities.
• CRA data upload into QuestSoft system.
• Support quality assurance/audit reviews to ensure data integrity and process consistency.
• Support with development and/or maintenance of formal process documentation including job aids and other procedural documents.
• Support in gathering data and preparing for CRA examinations, internal audits, and controls testing.
• Participate in and execute special projects and effectively manage assigned deliverables.
• Support in updating and maintaining data related to the CRA Public File.

Required Knowledge and Expertise

• High School Diploma
• Preferred three years of banking experience, finance, legal or related field.
• Must work towards obtaining the professional designation of Certified Community Bank Compliance Officer (CCBCO) and/or Certified BSA/AML Professional (CBAP), Certified Community Bank Security Officer (CCBSO).
• Strong ability to apply good judgment, discretion, and confidentiality.
• Highly organized with an ability to prioritize work and meet deadlines.
• Motivation to set goals, establish priorities and be highly productive daily.
• Able to work independently or with little supervision, in a team environment, take initiative, prioritize tasks, with the ability to provide problem prevention and resolutions.
• Work accurately with close attention to detail, displaying good time-management skills.
• Process and maintain quality control and confidentiality over critical processes and information, multi-task, and finish assigned tasks timely and efficiently.

Key Competencies

• Be Thorough: Ensure that work is completed thoroughly and correctly; prepare carefully for meetings and presentations; follow up with others to ensure that agreements and commitments have been fulfilled.
• Establish and Maintain Personal Credibility: Consistently model behavior for management that is perceived as responsible, reliable, and ethical.
• Communicate Effectively: Express oneself clearly in interactions with others, both verbally and in writing. Notice, interpret, and anticipate needs and concerns. Ensure that critical information is shared with those who should be kept informed.
• Act with Confidence: Understand the importance of rules and requirements and be poised and self-assured.
• Motivation to set goals, establish priorities and be highly productive daily.
• Able to work independently or with little supervision, in a team environment, take initiative, prioritize tasks, with the ability to provide problem prevention and resolutions.
• Work accurately with close attention to detail, displaying good time-management skills.
• Process and maintain quality control and confidentiality over critical processes and information, multi-task, and finish assigned tasks timely and efficiently.

Equal Employer Opportunity Statement
Timberline Bank prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

All job requirements in the job description provided indicate the minimum level of knowledge, skills, and/or abilities deemed necessary to perform the job competently. Job descriptions are an overview of the duties, responsibilities, and requirements of the position. Employees may be required to perform other job-related assignments as requested.

OUR COMPANY ADHERES TO A POLICY OF EMPLOYMENT-AT-WILL, WHICH ALLOWS EITHER PARTY TO TERMINATE THE EMPLOYMENT RELATIONSHIP AT ANY TIME, FOR ANY REASON, WITH OR WITHOUT CAUSE OR NOTICE.