Tri Counties Bank · 5 hours ago
CTR Analyst I, II or Senior CTR Analyst
Chico, CA
Full-time
Hybrid
Entry, Mid, Senior Level
$23.25/hr - $43/hr
3+ years expTri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares, dedicated to providing exceptional service for individuals and businesses throughout California. The Senior CTR Analyst is responsible for managing the daily CTR workflow, performing quality assurance testing, and ensuring compliance with BSA/AML regulations through effective currency transaction monitoring and reporting.
FinanceBankingFinancial Services
Responsibilities
Utilizing the Bank’s AML software to verify and create a CTR submission file each day, ensuring the accuracy of the data in relation to each reportable cash transaction and/or aggregations of cash reportable transactions
Retrieving reports from other bank systems to compare/review cash transactions against the data produced within the Bank’s AML software, ensuring all reportable cash transactions were captured and/or are reported
Work with branch personnel if/when necessary to verify/obtain information for completion of a CTR report
Document errors made by branch personnel in relation to CTR report completion in appropriate system
As needed – provide guidance to front line staff on how to complete a CTR
As scheduled – conduct review of foreign currency purchases to detect possible CTRs
As scheduled – validate transactions conducted in CTR Exempt customers’ accounts to identify possible CTRs
As scheduled – reconcile CTRs submitted by the branch to CTRs generated by the system and CTRs identified on the POD 430
As scheduled – multiple and changing CTR preprocessing and post processing tasks to ensure all CTRs were identified and subsequently filed timely and accurately
Create, review/update job specific procedures to ensure current procedures are documented
As needed – work in a “team based” environment, with additional department tasks, including compiling information for audits and regulatory examinations
Participate in all internal and external BSA/AML enterprise-wide audits and examinations, while ensuring no violations of law or repeat findings from previous audits or examinations occur
Independently make risk-based decisions related to what information is reported on individual CTRs based upon regulatory guidance, research, and industry best practices
Serve as the Subject Matter Expert (SME) for Currency Transaction Report (CTR)
Perform quality control reviews of CTRs completed by other employees
Utilizing the Bank’s AML software to verify and create a CTR submission file each day, ensuring the accuracy of the data in relation to each reportable cash transaction and/or aggregations of cash reportable transactions
Retrieving reports from other bank systems to compare/review cash transactions against the data produced within the Bank’s AML software, ensuring all reportable cash transactions were captured and/or are reported
Work with branch personnel if/when necessary, to verify/obtain information for completion of a CTR report
CTR's must be submitted by the required deadlines
Independently make risk-based decisions related to what information is reported on individual CTRs based upon regulatory guidance, research, and industry best practices
1st Line Review-Primary
Conduct review of foreign currency purchases to detect possible CTRs
Validate transactions conducted in CTR Exempt customers’ accounts to identify possible CTRs
Reconcile CTRs submitted by the branch to CTRs generated by the system and CTRs identified on the POD 430
Provides training to branches specific to the completion of a Tel-55
Provides CTR training to CTR Analysts
Serves as a Subject Matter Expert (SME) for Currency Transactions Report (CTR) for branch teams
Creates job aids and submits them to next level management for review
May participate in the gathering of records for audits or exams
Ability to teach other to accurately perform duties, and cross training other areas of CTR’s
Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties
May include other miscellaneous duties as assigned by the BSA Department Management
Maintains a current understanding of stated procedures and policies, including regulatory compliance issues
Qualification
Required
Bachelor's Degree preferred, High school Diploma or GED required
5-7 years of banking experience. BSA experience related to CTRs is preferable
Excellent verbal and written communication skills
Strong analytical skills
Strong MS Word and Excel skills
Ability to multi-task and work in high volume environment
Expert knowledge of Bank services and products
Ability to manage time effectively
Ability to utilize personal computers and Windows driven programs
Excellent reading, comprehension and problem solving skills
3+ years of CTR process experience in a banking environment or 5 years of back office experience in banking
Advanced problem solving and verbal and communication skills. Strong written communication skills a must
Able to remain focused while completing repetitive reports for extended periods of time
5+ years of CTR process experience with 1+ year(s) team lead experience preferred
Preferred
BSA/AML or CAMS certification preferred
Benefits
Fantastic, comprehensive benefits
Company
Tri Counties Bank
Tri Counties Bank provides financial services and mobile banking access.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1993-04-19IPO
Leadership Team
Angela Rudd
SVP Chief Risk Officer
Bret Funderburgh
SVP, Deputy Chief Credit Officer
Recent News
MarketScreener
2025-10-24
2025-10-23
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