BSA Officer

Position: BSA Officer Department: Risk & Compliance Location: Wichita, KS (On-Site) Job Type: Full-Time/Salary Jump start your career at Equity Bank! We are currently hiring energetic, team oriented, and community focused individuals to join our team! With a team of best-in-class customer service experts, you'll help to build and expand on client relationships, deliver the banking products and services that meet the unique and individual needs of clients, and create and uphold an atmosphere of superior experience and service.

At Equity Bank we’ll help you invest in your community through volunteer opportunities which align with our company initiatives and core values. The BSA Officer is the Bank’s designated Bank Secrecy Act/Anti-Money Laundering (BSA/AML) and OFAC compliance officer, responsible for the design, administration, and ongoing effectiveness of the Bank’s BSA/AML/CFT compliance program.

Reporting to the Chief Risk Officer, this role provides strategic direction, independent oversight, and leadership of the Bank’s BSA/AML department, ensuring that financial crime risks are identified, assessed, monitored, and effectively mitigated across all lines of business as the Bank continues to grow. The BSA Officer serves as the Bank’s primary point of contact with regulators, law enforcement, and auditors on BSA/AML matters.

Responsibilities

and Expectations Key Responsibilities Program Governance & Leadership Serve as the Board-designated BSA Officer, with the authority, independence, and resources necessary to administer the Bank’s BSA/AML/OFAC compliance program in accordance with applicable laws, regulations, and supervisory expectations Develop, maintain, and enhance the written BSA/AML/OFAC compliance program, including policies, procedures, and internal controls, and support the Chief Risk Officer in obtaining Board approval Lead, coach, and develop the BSA/AML team, including the Deputy BSA Officer, BSA Operations Manager, and BSA analysts, setting clear performance expectations and fostering a culture of accountability and continuous improvement Partner with the Chief Risk Officer to integrate financial crimes risk into the Bank’s enterprise risk management framework, risk appetite, and strategic decision-making Prepare the BSA/AML program for the heightened expectations that accompany growth beyond $10 billion in assets, including scalable staffing, monitoring capacity, and governance Lead the design, implementation, and governance of AI agents and automation within BSA/AML workflows (for example alert triage, case research, narrative drafting, and quality control), with human review, audit trails, and documentation that stands up to regulatory scrutiny Suspicious Activity Monitoring & Investigations Oversee transaction monitoring, case management, and investigation processes, ensuring alerts are reviewed, escalated, and dispositioned timely, consistently, and with sound documentation Make or approve final determinations on Suspicious Activity Report (SAR) filing and non-filing, ensuring SARs are accurate, complete, filed within regulatory timeframes, and kept strictly confidential Oversee continuing activity reviews, account closure and relationship exit recommendations, and responses to law enforcement requests and subpoenas Oversee Currency Transaction Report (CTR) filing and exemption reviews, monetary instrument and funds transfer recordkeeping, and FinCEN 314(a) and 314(b) information sharing processes Oversee OFAC sanctions screening, including alert review, blocking and rejecting of transactions, required reporting, and the escalation of potential sanctions violations Risk Assessment, Customer Due Diligence & Controls Conduct and maintain the enterprise BSA/AML/OFAC risk assessment, updating it at least annually and upon material changes such as new products, delivery channels, markets, or acquisitions Oversee the Customer Identification Program, Customer Due Diligence, beneficial ownership, and Enhanced Due Diligence programs, including reviews of high-risk customer types such as MSBs, NBFIs, PEPs, non-resident aliens, and privately owned ATMs Oversee the Bank’s transaction monitoring and screening environment (Verafin), including scenario tuning, thresholds, validation, and data integrity, in coordination with Model Risk and IT.

Ensure AI agents and other automation are validated and governed through the Bank’s model risk process Review new products, services, and third-party or fintech relationships for BSA/AML risk before launch, and recommend appropriate controls Lead BSA/AML due diligence and integration for acquisitions, including assessing the target’s program, monitoring platform, and data, and converting acquired institutions onto the Bank’s monitoring platform Establish and monitor key risk indicators (KRIs), quality assurance, and control testing over BSA/AML processes, coordinating with Compliance Testing & Monitoring and Internal Audit on independent testing Regulatory Engagement, Training & Collaboration Serve as the primary point of contact for the Federal Reserve and other regulators, FinCEN, law enforcement, and external auditors on BSA/AML matters, coordinating with Regulatory Affairs on examinations and responses Monitor regulatory developments, enforcement actions, and FinCEN guidance, assess their impact on the Bank, and drive timely implementation through the Regulatory Change Management process Oversee the BSA/AML training program for employees, management, and the Board, including role-based training and emerging typologies and red flags Partner with Bank Protection (Fraud Prevention), Risk, Retail, Lending, and Treasury Management to promote an integrated financial crimes approach, including timely information sharing and referrals Act as a key second line of defense leader, providing independent credible challenge to first line business units while ensuring clear ownership and accountability for BSA/AML risks Reporting & Escalation Prepare and deliver regular reports to senior leadership and management committees on program performance, SAR and alert activity, KRIs, examination and audit results, and remediation status, and provide the data and analysis the Chief Risk Officer uses for Board and Board committee reporting Ensure timely escalation of significant BSA/AML issues, suspicious activity involving insiders or senior management, and material control deficiencies to the Chief Risk Officer, who determines Board escalation as appropriate Track findings from regulatory examinations, audits, and testing, and ensure corrective action plans are developed, implemented, validated, and closed on time Maintain required BSA/AML records and documentation in accordance with retention requirements and ensure the Bank is exam-ready at all times Develop technology-enabled dashboards and visualizations that make complex financial crimes data accessible and actionable for senior leadership and the Chief Risk Officer Leadership Competencies The BSA Officer will demonstrate the following leadership competencies: Credible Challenge: Provides independent, well-reasoned challenge to the first line and senior management while maintaining strong, trust-based partnerships Regulatory Judgment: Interprets and applies complex laws, regulations, and supervisory guidance to make sound, defensible decisions in ambiguous or high-stakes situations Investigative Rigor: Applies analytical depth, attention to detail, and objectivity in evaluating suspicious activity and ensuring conclusions are well documented Strategic Influence: Effectively communicates complex financial crimes risk concepts to diverse audiences, including senior leadership and regulators Change Leadership: Drives high quality execution of program enhancements and internal initiatives, demonstrating resilience and adaptability in an evolving regulatory and technological landscape Ethical Stewardship: Models the highest standards of integrity, ethics, and confidentiality, including strict protection of SAR information Talent Development: Mentors and develops BSA/AML talent, building analytical, investigative, and technological capabilities within the team Required Skills & Education Requirements Bachelor’s degree in Business, Finance, Accounting, Criminal Justice, or a related field required; advanced degree (MBA or Juris Doctor) preferred CAMS certification (or equivalent, such as CFCS) required, or to be obtained within 12 months of hire 8+ years of BSA/AML compliance experience in a financial institution, including at least 3 years in a leadership or people management role Experience in a bank with $10 billion or more in assets strongly preferred, including experience with the heightened regulatory expectations at and above the threshold Expert knowledge of the Bank Secrecy Act, USA PATRIOT Act, OFAC regulations, FinCEN regulations including the CDD Rule, and the FFIEC BSA/AML Examination Manual Demonstrated experience making SAR filing decisions, overseeing complex investigations, and ensuring high quality case documentation Hands-on experience with Verafin, including scenario tuning and validation, required.

Familiarity with other AML platforms (for example Actimize, BAM+, or Patriot Officer) to support acquisition due diligence and system conversions Demonstrated experience implementing AI agents or advanced automation in BSA/AML or financial crimes operations, including governance, model risk validation, and regulatory expectations Demonstrated experience leading BSA/AML regulatory examinations, responding to examiner findings, and managing remediation to closure Exercises independent judgment in defining problems, analyzing data, establishing facts, and drawing conclusions on matters with significant organizational and regulatory impact Excellent written and verbal communication skills, with the ability to present complex and sensitive issues to senior leadership and regulators Strong collaboration, diplomacy, and influencing skills, with the ability to partner across functional and organizational boundaries Strong analytical and data skills, including the ability to use data analytics to identify trends and emerging risks Demonstrates the highest standards of ethical conduct, adherence to the Code of Conduct, and strict confidentiality of sensitive information Strong organizational and prioritization skills, with the ability to manage multiple concurrent projects and deadlines in a dynamic environment Proficiency in Microsoft 365 (Word, Excel, PowerPoint, SharePoint) Who We Are Equity Bank, a full-service, $7.

9 billion community bank, is based in Wichita, Kansas, with over 80 bank offices throughout Kansas, Nebraska, Missouri, Arkansas, and Oklahoma. At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits, while working in an atmosphere that encourages personal and professional growth.

We’re searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team. Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, and mortgage loans, treasury management service, the best solutions for your business, and absolutely zero ATM fees, anywhere.

What’s in it for you? We believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families.

Benefits

Health, Dental & Vision Insurance Group Life & Long-Term Disability Insurance Flexible Spending & Health Savings Accounts Group Cancer Insurance 401(K) Retirement Plan w/Company Match Generous Vacation & Sick Time Employee Stock Purchase Plan (ESPP) Pet Insurance Retail Banking Benefits Find your future at Equity Bank!

The above statements are intended to generally describe the nature and level of work to be performed by most people assigned to this job. It is not intended as an exhaustive list of all responsibilities, duties, and requirements. Physical Requirements This position requires standing, walking, bending, and squatting on a regular basis.

May require the ability to stoop, kneel, crouch or reach with hands and arms. Requires the ability to carry, lift, move or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others. Work Environment This position regularly works in an office setting. Most of the job duties require the employee to be working with computers and electronic media on a regular basis.

Equity Bank is an equal opportunity employer and will not make employment decisions based on an applicant’s 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.