FIRST INTERNET BANK

Perform quality control tests on AML, OFAC, and fraud compliance processes to ensure regulatory adherence and recommend improvements. | Requires experience in CIP/KYC, AML/CFT/OFAC compliance, investigative skills in financial regulations, and knowledge of relevant banking laws and systems. | About the Position: As the Quality Control Analyst your key responsibilities will include the performance of First Internet Bank and its FinTech Partners' Customer Identification Program (CIP), Customer Due Diligence (CDD) and its beneficial ownership (BO) onboarding verification, AML/CFT, OFAC, and Fraud quality control (QC) tests/inspections to ensure that alert reviews and case investigations are appropriately completed and suspicious activity filed in accordance with regulatory requirements and agency guidelines. Your role will support the identification, escalation and timely mitigation of compliance and operational risks in alignment with the First Internet Bank and its FinTech Partners' CIP and CDD, Enhanced Due Diligence (EDD), alert and case investigation, suspicious activity reporting (SAR) filing policies, procedures and regulatory requirements. Your position will serve as oversight of the appropriate execution of substantive money laundering, economic sanctions and fraud compliance risk detection, prevention, and reporting practices. What You Will Do: • Identify accounts that fail to comply with CIP, CDD and Beneficial Ownership regulations, and determine the acceptability of all identification documents received from account holders. • Ensure all identification documents updated the respective account records to indicate a CIP status of verified or unverified and report accounts whose documents have been rejected (as expired, illegible, invalid) to management. • Ensure that First Internet Bank and its FinTech Partners maintain AML/CFT and OFAC standards and procedures, and recommend changes and/or alternatives for process improvements. • Reviews alerts and cases completed/closed by the AML/CFT, OFAC, and Fraud Analysts to ensure that the appropriate decisions/recommendations have been made according to First Internet Bank and its FinTech Partners standards, the appropriate supporting documentation for decision is made by an AML/CFT, OFAC, and Fraud Analyst is appropriately supported and documented. • Evaluates completed AML/CFT, OFAC, and Fraud work and evaluate KYC/KYCC profiles to ensure that they meet regulatory requirements as well as adhere to First Internet Bank and its FinTech Partners policies and procedures. • Communicates any errors/discrepancies found to the appropriate management to ensure that corrective action is taken, additional training provided. • Generates related reports, including findings and trends to management. • Assist with identifying automation, gap analysis, and process improvements to ensure compliance with all regulations. • Maintains knowledge of developments in the area of Fraud, OFAC and anti-money laundering, including FinCEN and OCC requirements relating to AML/CFT and the USA PATRIOT Act. • Maintains QC standards and procedures, including risk-based standards for compliance testing, and recordkeeping for quality control findings accurately and in a timely manner. • Perform other duties as assigned What We're Looking For: • A Bachelor's Degree or equivalent experience in Customer onboarding CIP/KYC, AML/CFT/OFAC and Fraud compliance in the financial services industry required. • Previous investigative experience with OFAC, AML, and/or BSA required; prior audit and/or quality control experience in the banking industry will also be considered. • Must be able to demonstrate knowledge of CIP/KYC, CDD, OFAC, USA Patriot Act, Bank Secrecy Act (BSA), and Anti-Money Laundering (AML) regulatory requirements. • Experience with BSA/AML/OFAC/Fraud surveillance systems, Verafin preferred. • Ability to work independently and in collaboration with others. • Ability to provide timely and excellent service to both internal and external customers. • Strong attention to detail. • Strong PC skills required, along with the ability to quickly learn new systems. • Ability to clearly communicate identified issues or opportunities for improvement, including proposed solutions. • Ability to interact with parties at all levels of an organization Working Conditions/Demands: • Professional office setting. • Primarily sedentary position requiring long periods of time working at a computer. • Must be able to move throughout the office and buildings to obtain or relay information. • Must be able to perform the essential functions of the position with or without reasonable accommodation. Who Are We? • We're not just another bank and we're not looking for just another employee. Since 1999, First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. Yes, we really were the first state-charted, FDIC insured bank to operate entirely online and we have been leading the way ever since. • We seek the game changers, the innovators...those who challenge the status quo because change really is the only constant. Ready to join a team of imaginative, driven individuals like you? It's your career, you deserve to imagine more. Keep reading, we think you will like you what see. Why Join Us? Our success has been driven, in part, by four core competencies - customer focus, teamwork, adaptability and initiative. Collectively they define our actions and are at the heart of all we do. As a result, we've been fortunate to have been named numerous times as an Indianapolis Star Top Workplace and one of the Best Banks to Work For! Headquartered in downtown Fishers, our newly-built, state-of-the-art 175,000 square foot facility headquarters was designed with our team in mind and features an 18,000 square foot open air deck named "The Backyard", with fire pits, covered pergola, waterfall and foliage to create a momentary escape from the work day. Beyond that, the onsite fitness center with the latest equipment and ergonomically-designed workstations help promote health and wellness. Have we mentioned free snacks, soft drinks and beer available on tap? Want more? How about unlimited volunteer time off and social events to bring us all together to have some more. Why just imagine more, take the "first" step and apply today. Our benefits package includes the following and so much more: • Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment • 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment • Professional Development Reimbursement • At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date • Eleven Paid Holidays • Paid Volunteer Time • Annual First Internet Bank-branded merchandise allowance Equal Opportunity Employer - Women, Minorities, Veterans and Individuals with Disabilities If you are a California resident, you may be entitled to certain rights regarding your personal information. Additional information about our data collection practices and location specific notices is available on our privacy policy. Click here to read more. The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c). Click here to read more.

Design, implement, and monitor internal controls over financial reporting, collaborate with stakeholders to evaluate risks and improve controls, and assist with financial reporting and compliance projects. | Bachelor's degree in accounting, 3+ years in SOX/ICFR compliance or related financial reporting roles, strong knowledge of US GAAP and internal control frameworks, and preferably CPA or CIA certification. | About the Position: As the Senior Internal Controls Analyst, you will be responsible for ensuring the organization maintains effective internal controls over financial reporting in accordance with Section 404 of the Sarbanes-Oxley Act. Your responsibilities will include designing, implementing, and monitoring controls across various areas of the Bank. Additionally, you will assist with financial reporting, CECL calculations, and the completion of various other projects. What You Will Do: • Develop and assist with the design and implementation of internal controls (SOX/ICFR). • Collaborate with control owners and stakeholders to evaluate processes, identify risks, and recommend improvements that enhance efficiency and control effectiveness. • Proactively identify control deficiencies, assess root causes and impacts, and assist in developing remediation plans for practical improvements. • Collaborate with control owners to ensure control records and related documentation are accurate, complete and audit ready. • Contribute to the maintenance and standardization of control documentation, including Internal Control Memos, process flowcharts, IPE documents, systems used, and control thresholds. • Remain up to date on current SOX requirements, internal control best practices, and emerging trends, sharing insights with key stakeholders. • Collaborate with Internal Audit on recommended improvements while helping design effective controls to manage risk and achieve objectives. • Assist in the preparation of SEC filings and credit loss modeling as needed. • Participate in ad-hoc projects and provide insights from a risk and controls perspective. What We're Looking For: • Bachelor's degree in accounting is required • Professional certification (CPA, CIA, etc.) preferred • A minimum of three years of progressive experience in SOX/ICFR compliance, internal audit, public accounting, or financial reporting in a public entity • Strong knowledge of US GAAP, SOX 404, COSO Internal Control Framework, and PCAOB auditing standards • Ability to assess complex business processes, policies, and controls, and make practical, business-focused recommendations. • Financial services industry experience is a plus • Candidate must be self-motivated and results-oriented with the ability to function effectively within established deadlines • Ability to work independently and alongside a team • Proven at managing multiple tasks and changing priorities • Demonstrated initiative by means of continuous improvement and driving efficiency • Proficient in the use of Microsoft Office products, including Word, Excel, PowerPoint, and Visio. Working Conditions/Demands: • Professional office setting. • Primarily sedentary position requiring long periods of time working at a computer. • Must be able to move throughout the office and buildings to obtain or relay information. • Must be able to perform the essential functions of the position with or without reasonable accommodation. Who Are We? We're not just another bank and we're not looking for just another employee. Since 1999, First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. Yes, we really were the first state-charted, FDIC insured bank to operate entirely online and we have been leading the way ever since. We seek the game changers, the innovators...those who challenge the status quo because change really is the only constant. Ready to join a team of imaginative, driven individuals like you? It's your career, you deserve to imagine more. Keep reading, we think you will like you what see. Why Join Us? Our success has been driven, in part, by four core competencies - customer focus, teamwork, adaptability and initiative. Collectively they define our actions and are at the heart of all we do. As a result, we've been fortunate to have been named numerous times as an Indianapolis Star Top Workplace and one of the Best Banks to Work For! Headquartered in downtown Fishers, our newly-built, state-of-the-art 175,000 square foot facility headquarters was designed with our team in mind and features an 18,000 square foot open air deck named "The Backyard", with fire pits, covered pergola, waterfall and foliage to create a momentary escape from the work day. Beyond that, the onsite fitness center with the latest equipment and ergonomically-designed workstations help promote health and wellness. Have we mentioned free snacks, soft drinks and beer available on tap? Want more? How about unlimited volunteer time off and social events to bring us all together to have some more. Why just imagine more, take the "first" step and apply today. Our benefits package includes the following and so much more: • Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment • 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment • Professional Development Reimbursement • At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date • Eleven Paid Holidays • Paid Volunteer Time • Annual First Internet Bank-branded merchandise allowance Equal Opportunity Employer - Women, Minorities, Veterans and Individuals with Disabilities If you are a California resident, you may be entitled to certain rights regarding your personal information. Additional information about our data collection practices and location specific notices is available on our privacy policy. Click here to read more. The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c). Click here to read more.

Oversee AML/CFT operations including monitoring alerts, investigations, compliance with regulations, team leadership, and reporting. | At least five years of AML/BSA experience, strong investigative and leadership skills, knowledge of US financial regulations, and preferably CAMS certification. | About the Position: As the Manager, AML/CFT Operations, you will assist with the coordination of the day-to-day implementation and administration of all aspects of the Anti-Money Laundering (AML), Countering the Financing of Terrorism (CFT) Compliance Program. You will monitor and ensure adherence to U.S. regulations (BSA, USA PATRIOT Act, etc.) as well as key U.S. Financial service regulators and agencies (FinCEN, OFAC, SEC, FDIC, etc.) You will also monitor and support the daily operations, while ensuring compliance with regulatory and operational policies. You will be responsible for providing leadership, coaching and oversight, in close collaboration with the Vice President, AML/CFT Operations (BSA), to the AML/CFT operations analysts & investigators and serve as a subject matter expert for the teams. What You Will Do: • Responsible for overseeing the analysis and monitoring of daily reports, alerts, cases and regulatory filings associated with AML and suspicious account activity; determine the appropriate action based on the analysis according to policies and procedures. • Ensure investigations and resolutions comply with applicable laws, Bank policy, and industry leading practices to reduce the Bank's losses and financial crimes exposure. • Responsible for maintaining, revising and implementing AML/CFT procedures and job aids and serving as the Subject Matter Expert and the go-to resource for the team, answering questions and providing guidance on BSA/AML procedures • Continuously review and monitor the case management system to ensure alerts, cases and regulatory filings are dispositioned timely and suspicious activity is detected as expected. • Monitor and track BSA/AML high risk customers and accounts; assist with the development and refining of the bank's customer risk rating system. Reviewing and approving Enhanced Due Diligence and Customer Due Diligence cases and scheduling the next EDD reviews based on risk level. • Ensure processes are followed for contact and effective communication with customers, as needed, to gain an understanding of account activity or Know Your Customer (KYC)/Customer Due Diligence (CDD) documentation. • Ensure timely and accurate filing of all Suspicious Activity Reports and Currency Transaction Reports. Including preparing and presenting committee meetings, ensuring that all necessary case details are presented and discussed thoroughly • Responsible for developing and providing periodic reporting of key AML/CFT and OFAC-related metrics to management. • Thoroughly manage alert and case inventories to include the generation and maintenance of in-progress inventory reporting for all teams (CDD, EDD, Investigations, Alerts, High risk customer list, regulatory filings, etc.). • Oversee and ensure compliance with all 314(a) and OFAC files, requests, and reporting. • Assist with the periodic reviews and updates of the AML/CFT and OFAC risk assessments. • Stay abreast of industry trends related to AML/CFT and any related agency guidance and propose opportunities for enhanced efficiencies or development opportunities. • Assist the VP and head of BSA/AML operations with weekly meetings, ad hoc requests, quarterly board reporting, and audit requests. • Hold performance meetings with analysts, helping set and track their goals, conducting mid-year and end-of-year assessments, approving timecards and time-off requests, and reallocating work as needed to meet SLAs. • Organize regular training sessions for the team, including onboarding new employees and arranging external training events for specialized sessions. • Perform other duties as assigned. What We're Looking For: • A minimum of five years of BSA/AML and/or fraud detection/investigation experience at a financial institution, regulatory agency or law enforcement agency; commensurate investigative experience in financial crimes will also be considered. • Excellent critical thinking and problem-solving skills. • Ability to work in a fast-paced environment with professionalism, courtesy and tact. • Excellent interpersonal, verbal and written communication skills. • BSA/AML certifications; CAMS credentials or equivalent as well as Fintech experience are preferred. Working Conditions/Demands: • Professional office setting. • Primarily sedentary position requiring long periods of time working at a computer. • Must be able to move throughout the office and buildings to obtain or relay information. • Must be able to perform the essential functions of the position with or without reasonable accommodation. Who Are We? We're not just another bank and we're not looking for just another employee. Since 1999, First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. Yes, we really were the first state-charted, FDIC insured bank to operate entirely online and we have been leading the way ever since. We seek the game changers, the innovators...those who challenge the status quo because change really is the only constant. Ready to join a team of imaginative, driven individuals like you? It's your career, you deserve to imagine more. Keep reading, we think you will like you what see. Why Join Us? Our success has been driven, in part, by four core competencies - customer focus, teamwork, adaptability and initiative. Collectively they define our actions and are at the heart of all we do. As a result, we've been fortunate to have been named numerous times as an Indianapolis Star Top Workplace and one of the Best Banks to Work For! Headquartered in downtown Fishers, our newly-built, state-of-the-art 175,000 square foot facility headquarters was designed with our team in mind and features an 18,000 square foot open air deck named "The Backyard", with fire pits, covered pergola, waterfall and foliage to create a momentary escape from the work day. Beyond that, the onsite fitness center with the latest equipment and ergonomically-designed workstations help promote health and wellness. Have we mentioned free snacks, soft drinks and beer available on tap? Want more? How about unlimited volunteer time off and social events to bring us all together to have some more. Why just imagine more, take the "first" step and apply today. Our benefits package includes the following and so much more: • Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment • 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment • Professional Development Reimbursement • At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date • Eleven Paid Holidays • Paid Volunteer Time • Annual First Internet Bank-branded merchandise allowance Equal Opportunity Employer - Women, Minorities, Veterans and Individuals with Disabilities If you are a California resident, you may be entitled to certain rights regarding your personal information. Additional information about our data collection practices and location specific notices is available on our privacy policy. Click here to read more. The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c). Click here to read more.