Senior BSA – BSA/AML & Financial Crimes Technology
M&T Bank · Buffalo · $85,800–$143,000 (stated in the posting)
This role is four days onsite at our Seneca One Buffalo, NY location, with the flexibility to work from home one day per week
Position Summary
The BSA is a senior-level subject matter expert responsible for providing business, functional, and analytical leadership supporting BSA/AML business stakeholders and technology teams, translating complex financial-crimes processes and requirements into effective business and technology solutions. The role provides expertise across BSA/AML investigations, case management, Suspicious Activity Reports (SARs), digital assets, blockchain and wallet-related financial crime considerations, AI-assisted analysis, and platform modernization/migration initiatives.
Key Responsibilities
BSA/AML & Financial Crimes Expertise
- Serve as a senior BSA/AML subject matter expert supporting financial-crimes technology and business initiatives.
- Independently lead complex analysis, identify business and technology impacts, contribute to solution design, support testing and implementation
- Provide functional and subject matter expertise covering BSA/AML processes, investigations, alerts, cases, and regulatory reporting.
- Partner with BSA/AML Operations, Compliance, Technology, Product, Risk, and other stakeholders to analyze business needs and translate them into comprehensive requirements.
- Identify business, operational, regulatory, data, and technology dependencies associated with proposed changes.
- Provide guidance throughout requirements, design, development, testing, implementation, and post-production validation.
- Evaluate the downstream impact of changes across integrated applications, data sources, reporting, and operational processes.
- Develop and maintain working knowledge of financial-crime considerations associated with digital assets, blockchain technologies, and digital wallets.
- Support analysis of financial-crimes use cases involving blockchain-based transactions and digital-asset activity.
- Stay current with evolving digital-asset and financial-crimes trends relevant to assigned responsibilities.
Business & Functional Analysis
- Lead requirements elicitation and analysis for BSA/AML technology initiatives.
- Develop clear and detailed Business requirements, Functional requirements, User stories, Process flows, Data requirements/mapping, Use cases and Test scenarios.
- Conduct impact and gap analyses for proposed system changes.
- Facilitate discussions to elicit business requirements and communicate requirements, risks, dependencies, and impacts clearly to technical and non-technical audiences.
- Identify and resolve missing, conflicting, or ambiguous requirements.
- Partner with technical teams for proposed solutions.
- Participate actively in Agile planning, backlog refinement, demonstrations, and implementation activities.
- Develop comprehensive business test scenarios and acceptance criteria.
- Partner with QA, automation testing and engineering teams to ensure tests adequately cover business requirements.
- Support functional, system-integration, regression, and user-acceptance testing.
- Assist with defect triage by analyzing business impact and expected behavior.
- Help establish traceability between requirements, development outcomes, test scenarios, data integrity, and implementation results.
- Analyze data and system behavior to support requirements, testing, troubleshooting, and production issue analysis.
- Work with technical teams to understand source-to-target data relationships and application dependencies.
- Coordinate effectively across multiple technology and business teams on complex initiatives.
- Demonstrate proficiency with AI tools and apply them responsibly to improve productivity and quality.
- Validate AI-generated results for accuracy, relevance, completeness, security, and alignment with established requirements before use.
- Identify appropriate opportunities to incorporate AI-assisted practices into existing analysis and testing processes.
Education and Experience Required:
- Minimum of 6 years combined higher education and/or operational/business analytics experience in BSA/AML Domain
- BSA/AML
- Financial-crimes investigations
- Case management
- SAR-related processes and workflows
- Alert and case lifecycle
- Financial-crimes technology
- Business and functional requirements analysis
Emerging Financial-Crimes Capabilities
- Digital assets
- Blockchain
- Digital wallets
- Proficiency with AI-assisted tools
- Business impact analysis
- Gap analysis
- Data and functional validation
- Regression and UAT support
- Cutover and post-implementation validation
Preferred Qualifications
- Significant experience working with BSA/AML, financial-crimes, compliance, or supporting technology organizations.
- Banking or financial-services experience.
- Experience supporting enterprise BSA/AML or financial-crimes platforms.
- Demonstrated ability to operate independently on complex, cross-functional initiatives.
- Strong business and systems-analysis capabilities.
- Experience translating business requirements into actionable technology requirements.
- Strong analytical, problem-solving, and organizational skills.
- Experience working in Agile technology-delivery environments.
- Ability to communicate effectively with investigators, business stakeholders, Product Owners, developers, architects, testing teams, and technology leadership.
- Ability to analyze complex processes and clearly document requirements, dependencies, business rules, and expected outcomes.
- Experience working with business-critical applications and complex enterprise integrations.
- Knowledge of digital-asset and blockchain-related financial-crimes considerations.
- Hands-on experience with financial-crimes case-management solutions.