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BayFirst · 1 day ago

Customer Due Diligence/Enhanced Due Diligence Specialist

St. Petersburg, FL, US

Full-time

Onsite

Senior Level

5+ years exp

BayFirst National Bank is a full-service community bank dedicated to providing high-quality banking services. The Customer Due Diligence/Enhanced Due Diligence Specialist is responsible for conducting comprehensive CDD and EDD reviews, supporting investigative case work, and ensuring compliance with regulatory expectations.

Banking

Comp. & Benefits

Responsibilities

Performs initial and ongoing CDD and EDD reviews utilizing Verafin, internal systems, and external data sources to validate identities, business purpose, beneficial ownership, risk ratings, and documentation completeness

Analyzes customer risk profiles and behavioral indicators to identify higher-risk relationships and escalates appropriately

Conducts investigative research to verify KYC data, source of funds, business activities, and relevant risk factors

Ensures CDD/EDD reviews are accurate, well-documented, timely, and risk-based, and aligned with FFIEC guidance and Bank policy

Conducts Verafin alert reviews and case investigations, performs detailed analysis, documents findings, and escalates appropriately

Supports SAR decisioning by developing clear investigative summaries, documenting conclusions, and presenting risks to BSA leadership

Performs triage, monitors workflow queues in Verafin, and ensures timely review completion in accordance with program standards

Performs quality control review of CDD/EDD files, Verafin case documentation, and KYC records to ensure accuracy, completeness, consistency, and regulatory compliance

Identifies deficiencies, documentation gaps, or procedural weaknesses and supports corrective actions, remediation efforts, and validation

Maintains structured logs, records, and case documentation aligned to OCC and FFIEC expectations and Bank requirements

Supports ongoing monitoring of high-risk customers and Verafin-driven review cycles

Maintains strong working knowledge of BSA/AML, USA PATRIOT Act, KYC/CDD regulatory expectations, Verafin functionality, and OFAC requirements

Supports regulatory exams, internal/external audits, and remediation initiatives through documentation preparation and response support

Provides support for SAR decisioning and CTR process continuity, including documentation and quality review

Supports departmental initiatives, reporting needs, process enhancements, and program maturity efforts

Provides excellent internal support, responding professionally and timely to inquiries

Assists in training team new team members on Verafin alert handling, CDD/EDD/KYC documentation standards, and high-risk monitoring expectations

Qualification

CDD/EDDKYCBSA/AMLVerafinAnalytical skillsInvestigative skillsDocumentation skillsMicrosoft OfficeRisk awarenessCommunication skillsAttention to detailOrganizational skillsCritical thinking

Required

A minimum of 5+ years experience in CDD/EDD, KYC, BSA/AML investigations, and financial crimes is required

Minimum 2-3 years hands on Verafin experience working in Verafin including alert review, case investigation documentation, workflow management, risk rating support, high risk customer monitoring, and dashboard/ report utilization

Strong analytical, investigative, and documentation skills

Excellent written and verbal communication skills

Strong attention to detail and organizational discipline

Ability to work independently while managing multiple assignments

Proficiency with Microsoft Office and investigative research tools

High professional integrity and confidentiality

Strong critical-thinking and risk awareness mindset

Quality-focused, disciplined, and accountability driven